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Tennessee Farm Bureau provides people in the Volunteer State with auto, home, life, and renters insurance. Today, we’ll look at the company’s car insurance offerings and reputation.

Whether you decide to reach out to Tennessee Farm Bureau or not, we always recommend getting quotes from more than one provider and comparing coverage.

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Tennessee Farm Bureau Overview

  • A+ rating from the Better Business Bureau (BBB)
  • “Superior” financial strength rating from AM Best
  • Basic coverage options
  • Online quotes system

About Tennessee Farm Bureau

Farmers and rural residents sometimes don’t get the same type of service from larger corporations. That’s the reason for the American Farm Bureau Federation, of which the Tennessee Farm Bureau is a part.

The Tennessee Farm Bureau Federation advocates for farmers and rural residents in Tennessee. You do need to be a member of the Tennessee Farm Bureau to get TN Farm Bureau car insurance, and you must pay dues. It costs $30 per year to be a member, and anyone is eligible.

Different companies underwrite Farm Bureau car insurance premiums across the United States. In Tennessee, the underwriting organization is the Tennessee Farmers Insurance Companies. The company has strong financial ratings from AM Best, which means it can handle its insurance obligations without issue.

The Tennessee Farm Bureau has over 650,000 members and has lobbied for many bills that benefit rural Tennesseans. According to the website, the Tennessee Farm Bureau provides insurance for almost 30 percent of the state. Besides car insurance, you can also take advantage of the following from the organization:

  • Home and life insurance
  • Health plans
  • Young Farmers & Ranchers Program
  • Property Protection Reward Program
  • Tennessee Home & Farm Magazine
  • Farm Bureau Women Program
  • Tax services
  • Livestock marketing

TN Farm Bureau Car Insurance Coverage

You can get all the basic coverage options with TN Farm Bureau car insurance. These are:

  • Liability: Repairs damage and covers medical bills for other drivers in accidents that you cause
  • Collision: Repairs damage to your car after an accident no matter who was at fault
  • Comprehensive: Fixes your car after environmental events and covers vandalism and theft
  • Personal Injury Protection (PIP): Pays medical bills, lost wages, and death benefits after an accident no matter who was at fault
  • Medical Payments (MedPay): Pays medical bills after an accident up to an amount that you specify
  • Uninsured/Underinsured Motorist (UM/UIM): Protects you if you get into an accident with someone who doesn’t have enough insurance

Car insurance from the Tennessee Farm Bureau is fairly basic. The only extra options you can get are roadside assistance and rental expense coverage. Don’t get us wrong, those are both great to have, but it would also be nice to see some more options.

Cost Of Tennessee Farm Bureau Insurance

Unfortunately, shopping for car insurance isn’t as easy as going to the grocery store and picking out which type of cereal you want. Prices are personalized to each driver’s situation, so what one person pays for a certain type of coverage won’t be what another person pays. Here are a few things that can influence the price of car insurance:

  • Your age
  • The type of car you drive
  • Your driving history
  • Where you live
  • Your credit score

While the Tennessee Farm Bureau doesn’t have any specific discounts listed on its website, we expect that drivers can find some basic discounts anyway. It would be very rare for a car insurance company not to offer any discounts at all. Some of the most common discounts include multi-policy, multi-car, safe driver, and discounts for safety features.

As a member of the Tennessee Farm Bureau, you also get discounts on a number of other products and services around the community. You can get discounts on things like:

  • Tractor and utility vehicles
  • Family attractions
  • Hotels
  • Rental cars
  • Restaurants
  • Sporting events

Tennessee Farm Bureau Quotes And Claims

The Tennessee Farm Bureau makes it easy to go online and get a car insurance quote. Not all Farm Bureaus have online quote capabilities, so we appreciate that this one does. The online quote form is fairly standard. It will ask for information like your current auto insurance coverage, your driving history, car information, and contact information. You will need to add the same information for any driver who you want to be listed on your policy as well.

The quote form will automatically let you know if you’re eligible for any insurance discounts. Once you have a policy, you can pay the Farm Bureau online.

You can file a claim on the Tennessee Farm Bureau website, or you can call a dedicated claims number. After you file, you’ll receive a call from a claims adjuster who will get more information from you and take a look at your car. In some cases, they might have to go investigate the scene of the accident. J.D. Power found that the average claim in 2019 took about 13 days to resolve, but that time can vary depending on the type of accident.

If you had to file a claim with another insurance company for an accident that somebody else caused, you might have to wait even longer to receive compensation. For those times, it’s good to have collision coverage and one type of medical coverage so you can pay your bills without waiting for the claim to settle.

TN Farm Bureau Car Insurance Reviews

Tennessee Farmers Insurance Companies has an A+ rating on the BBB. However, customer reviews tell a different story. There are only two reviews on the company’s review page, and they are both one-star reviews. While reading these reviews, keep in mind that car insurance companies tend to get negative reviews, especially when customers are going through a stressful claims process.

“They will not pay for pain and suffering after [an] accident if you do not go to [the doctor]…. They see that as [an] opportunity to get smart with you and tell you that you are not hurt, and they won’t pay because we did not go to [the doctor]. I guess they think a 68- and [73-year-old] didn’t get banged and bruised in a wreck that totaled an F250 truck.”
– via BBB

“This company is absolutely a disgrace and infuriating to deal with. My father-in-law passed away in Tennessee and unfortunately had them for his [homeowners] and car insurance…. They were very nice at first, and we were told we had 120 days before we needed to change anything. Not at all how it worked. The following month the car insurance was cancelled.”
– via BBB

Our Verdict On Tennessee Farm Bureau

Car insurance from the Tennessee Farm Bureau is basic and gets the job done. However, the few reviews about the company are slightly concerning. If you want more options, we suggest comparing quotes from other auto insurance companies.

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Best Car Insurance Providers

We’ve reviewed the best car insurance companies on the market in an effort to find the right options for drivers. We took into account things like price, availability, customer service, and industry reputation. Looking at the results, a few companies stand out from the rest.

Geico: 4.6 Stars

If you’re in the market for car insurance, Geico should be on your list. The company doesn’t just have amusing commercials. In our review of Geico, we found that it provides low prices to many customers. It also has high customer rankings, performing well on J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study. That’s important, since resolving claims is really what you pay an insurance company to do.

State Farm: 4.6 Stars

In our review of State Farm, we found the company to be the best car insurance for students and young drivers. State Farm’s Steer Clear app helps teens acquire driving skills and can result in a 15 percent discount. Aside from that, good students can get up to 20 percent off their policies.

State Farm performed well on the Auto Claims Satisfaction Study and is the largest insurance company in the U.S. – it wrote $42 billion in premiums in 2018. When you reach out for a quote, make sure to see what discounts you might qualify for.