As a driver in the Sunshine State, you might have heard about Florida Farm Bureau auto insurance. But is the company reputable? Does it offer affordable premiums? In this article, we're going to take a good look at Florida Farm Bureau Insurance reviews and coverage to see how it compares to the industry’s best car insurance companies. Read on for more information about Florida Farm Bureau's reputation, coverage options, claims process, and customer service.
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.
Enter your zip code into the tool above to start comparing free, personalized car insurance quotes from top providers in your area.
In this article:
- Florida Farm Bureau Overview
- Florida Farm Bureau Auto Insurance Coverage
- Florida Farm Bureau Auto Insurance Cost And Discounts
- Florida Farm Bureau Auto Insurance Reviews
- Florida Farm Bureau Mobile App
- Our Take On Florida Farm Bureau Auto Insurance: 4.0 Stars
- Other Recommended Providers
- FAQ: Florida Farm Bureau Auto Insurance
Florida Farm Bureau Overview
Based in Gainesville, Florida, Florida Farm Bureau Insurance is an insurance group made of two companies: Florida Farm Bureau General Insurance Company and Florida Farm Bureau Casualty Insurance Company. To get an insurance policy from Florida Farm Bureau, you have to be a Farm Bureau member.
Here are some highlights of Flordia Farm Bureau auto insurance:
|Motor1 Rating||4.0 out of 5.0 stars|
|Better Business Bureau (BBB) Rating||A (not accredited)|
|AM Best Financial Strength Rating||A|
|Eligibility Restrictions||Only available to Farm Bureau members|
|Insurance Products||Auto, homeowners, flood, life, retirement, and banking|
||Multi-car, claim-free, good student, driver training
||Farm Bureau members
You don't have to work in farming or agriculture, but you do have to purchase a membership before you can get Florida Farm Bureau auto insurance. The membership comes with a few discounts you can use outside of agriculture, but it’s more beneficial for people involved in the industry.
In addition to home and auto insurance, Farm Bureau also provides other insurance services such as mortgage insurance, life insurance, retirement planning, banking services, and floor insurance.
Florida Farm Bureau Auto Insurance Coverage
Florida Farm Bureau offers basic coverage auto insurance options without too many bells and whistles. Basic coverage includes:
- Personal injury protection (PIP): This covers medical treatment and other injury-related losses such as lost wages from days you were unable to work. It is required in Florida.
- Bodily injury liability / Property damage liability (BI/PD): This covers you against damages to other people and their property. In the event of an accident, liability insurance will cover the damages, medical expenses, and legal fees. Property damage liability is required in Florida.
- Comprehensive: This protects you from any other damages to your vehicle that aren’t due to a collision, including theft, vandalism, natural disasters, civil disturbances, and more.
- Collision: This covers the cost of damages to your vehicle in the case that you get into a collision with another car or an object.
- Medical payments (MedPay): This covers the costs of vehicle-related medical treatments for both yourself and your passengers, regardless of who is at fault.
- Uninsured motorist/underinsured motorist (UI/UIM): This protects you in the case that you get into an accident with someone who doesn’t have enough insurance and consequently can’t cover your expenses.
You can't get roadside assistance from Florida Farm Bureau auto insurance. However, you can add on a couple more options:
Florida Farm Bureau Auto Insurance Details
Pet Injury Coverage
This option covers reasonable vet fees if your dog or cat is injured in a car accident while in your vehicle. It only applies to animals owned by the insured driver, and it requires collision coverage on the policy. It has a limit of $500 per accident.
With this option, the insurer will reimburse you for travel expenses if you get into a covered accident while you are 100 miles or more from home. You can choose between $600, $900, $1,200, or $1,500 maximums.
As far as coverage options go, that's pretty much it. Florida Farm Bureau does not offer rideshare coverage. If you drive for a company like Uber or Lyft, you'll need special coverage for specific times when you are working. Other companies like AAA provide this option for a few dollars per month. It's not a good idea to forgo this coverage – if you need it, we suggest you search for insurance elsewhere.
Florida’s No-Fault State Requirements
Florida is a no-fault state. That means drivers seek medical compensation from their own insurance company after an accident, no matter who was at fault. Because of this, Florida requires every driver to carry $10,000 in personal injury protection (PIP), which covers medical bills and lost wages. Florida also requires drivers to carry $10,000 in property damage liability. This covers damage to other people's vehicles in accidents that you cause.
Florida Farm Bureau Auto Insurance Cost And Discounts
Auto insurance costs are different for every customer and determined based on a variety of factors such as age, driving record, vehicle, marital status, city, and more. Based on customer reviews, Florida Farm Bureau auto insurance is a low-cost option for many Florida drivers.
Most Florida car insurance providers, including Farm Bureau, offer insurance discounts for things like policy bundling, homeownership, safe driving, and more. Though the Florida Farm Bureau does not advertise a list of potential discount opportunities, they may be available. Speak with your insurance agent about discount eligibility.
In terms of general eligibility, you do have to be a member of the Farm Bureau in order to be able to apply for insurance. Anyone can join the Farm Bureau for an annual fee, which typically runs between $20 to $90 a year. The Florida Farm Bureau membership does include a number of discounts for other products such as rental cars, hotel rooms, museums, amusement parks, and restaurants.
To find out how much your Florida Farm Bureau auto insurance premium would cost, use our tool below to start comparing personalized car insurance quotes:
Florida Farm Bureau Auto Insurance Reviews
Florida Farm Bureau's BBB page lists two reviews and six complaints total, but only one complaint is viewable. That complaint was written by a driver whose car got totaled by a driver with Florida Farm Bureau auto insurance.
According to the driver, Farm Bureau did not offer enough compensation for their totaled car. They felt that the company was low-balling the value of their vehicle. At the end of the complaint, the driver said they had decided to sue the company. Florida Farm Bureau Insurance responded, but the content was not made public.
Here are some more reviews from customers:
"Surprised at these reviews. My agent is Tina and I have had them for 16 years and have never had an issue. Had one claim... they were very generous with the estimate and paid within a week. Have no plans to change."
- Susan Wade via Google Reviews
"They handled my accident claim horribly ... when I cancelled my policy, I confirmed that I wouldn't be charged and was charged anyway, overdrawing me. They are the most difficult company to work with."
- Allyson Smith via Google Reviews
Florida Farm Bureau Mobile App
There are many local Farm Bureaus across the United States. If you are a member of a Farm Bureau in Arkansas, Colorado, Florida, Louisiana, Mississippi, or South Carolina, you can use the Farm Bureau MobileAgent.
The mobile agent allows you to view your insurance ID card, pay bills, report claims, and find the nearest Farm Bureau office. The Farm Bureau mobile app has a 4.0 out of 5.0-star rating on the Apple App Store and a 2.4 out of 5.0-star rating on the Google Play store. Several policyholders trying to use the Android version of the app reported difficulty with the login process.
Our Take On Florida Farm Bureau Auto Insurance: 4.0 Stars
All things considered, Florida Farm Bureau car insurance provides basic coverage at an average price. If you're already a member of the Florida Farm Bureau, it might be a good option. It's possible you could end up getting a great quote from the company. However, if you're not involved in farming, or if you want more coverage options, we would suggest going with another company.
Florida Farm Bureau Auto Insurance Pros
Florida Farm Bureau Auto Insurance Cons
Quotes and claims processes managed by local offices
Must be a Farm Bureau member to get coverage
Mixed customer reviews
To collect and compare quotes from providers available in your state, enter your zip code into the tool below.
Other Recommended Providers
While Florida Farm Bureau insurance is a good option for Florida drivers, there are several other top insurers in the state. You might also consider policies with USAA and Progressive. The only way to find the best price for the coverage you need is to shop around and compare offers.
USAA: Best For Military
USAA car insurance is our No. 1 pick overall for Florida drivers. To get USAA, you need to be a member of the military or of a commissioning program, or you need to have a spouse or parent who has had a USAA policy.
Through our research, we found that USAA offers the cheapest car insurance rates in Florida. That means USAA drivers can expect to pay well below the average for the state. Not only that, but the company consistently performs high on customer service surveys. For example, USAA scored 890 out of a possible 1,000 on J.D. Power’s 2020 U.S. Auto Claims Satisfaction StudySM, and it scored 900 out of a possible 1,000 on the 2020 U.S. Insurance Shopping StudySM.
That means you can easily get a quote online. Of course, agents are available if you would like to talk to one, but you don't have to wait for the office to open to get a quote. Also, when you report a claim, you can expect a USAA representative to resolve it quickly and keep you informed throughout the process.
USAA has an app with high ratings on both Google Play and the App Store that lets you manage your policy, file claims, and request roadside assistance. In today’s age, apps should really come standard from car insurance providers.
To learn more, read our full USAA insurance review.
Progressive: Best For High-Risk Drivers
Progressive is one of the most tech-forward insurance providers available, and it can also be a great option for drivers in Florida. Progressive has an A+ financial strength rating from AM Best, and it’s the third-largest auto insurer in the U.S.
If you choose to get a quote from Progressive, you can use the company’s comparison tool to see quotes from other providers, which is nice. You can also use the Name Your Price® tool to find plans that are tailored to your specific budget. Typical prices from Progressive are below the state average in Florida, but not quite as low as USAA. However, you’d probably still pay less for a Progressive policy than for Florida Farm Bureau auto insurance.
Another great thing about Progressive is the Snapshot® program. This is Progressive’s usage-based option that gives discounts based on your driving. The program tracks your driving through a plug-in device or an app. Be aware, if you choose to use the app, Progressive will track when you use your phone as you drive. Distracted driving can cause accidents and tank your discount, so leave your mobile on do not disturb when you get behind the wheel.
Snapshot tracks things like driving late at night, hard braking, quick acceleration, and fast corners. If you aren't a good driver, you might not get a discount, and your rates might even go up. But if you are a good driver, the discounts can be pretty good. According to Progressive’s website, most people get $145 off of their policy after the first testing period.
To learn more, read our full Progressive insurance review.
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.
Read our other insurance articles:
- Mississippi Farm Bureau Auto Insurance Review
- Oklahoma Farm Bureau Auto Insurance Review
- Iowa Farm Bureau Auto Insurance Review
- Mountain West Farm Bureau Review
- Southern Farm Bureau Car Insurance Review
- Car Insurance In Clearwater, Florida