Southern Farm Bureau auto insurance is available to Farm Bureau members across six states in the South. But is it the best choice for you?
Our team has researched over 30 of the best auto insurance companies in the nation and evaluated them based on coverage, cost, discounts, financial strength, customer service, and technology. Read on to find out about how Southern Farm Bureau compares. Remember, it’s always smart to get quotes from more than one insurance company before making your final decision.
Use the tool below or call our team at (844) 246-8209 to collect and compare free car insurance quotes from providers in your state.
In this article:
- Southern Farm Bureau Auto Insurance Highlights
- Southern Farm Bureau Auto Insurance Coverage
- Southern Farm Bureau Discounts
- Southern Farm Bureau Auto Insurance Reviews
- Farm Bureau Mobile Agent App
- Our Take On Southern Farm Bureau Auto Insurance
- Best Car Insurance Providers
- Frequently Asked Questions
Southern Farm Bureau Auto Insurance Highlights
Each state has its own Farm Bureau organization that advocates for rural residents and farmers. Along with local and national advocacy, Farm Bureau offers a number of services to members. The Southern Farm Bureau Casualty Insurance Company provides auto insurance to Farm Bureau members in six states:
- Arkansas
- Colorado
- Florida
- Louisiana
- Mississippi
- South Carolina
The Southern Farm Bureau has been in business since 1947. It has an A+ rating from AM Best, which means the company is able to meet its insurance obligations easily. AM Best rates all medium and large insurance companies, and less than 20 percent of companies score an A+ rating.
The organization operates through local agents spread across each state. Depending on the state in which you live, it can cost between $30 and $70 per year to be a member of your Farm Bureau. You have to be a member of a Farm Bureau in one of those six states to get Southern Farm Bureau car insurance, but you do not have to be a farmer to join the bureau.
Since the Southern Farm Bureau covers multiple states, customers in one state might have access to different coverage options than customers in another state. The company provides basic coverage options with a few extras, but you’ll ultimately have to decide if it’s the best option for your situation.
Southern Farm Bureau Auto Insurance Coverage
You can get the standard types of auto insurance from the Southern Farm Bureau:
| Type | What It Covers |
|---|---|
| Liability | Bodily injury liability covers medical bills for other people in accidents you cause, while property damage liability covers repairs to their cars or other property. |
| Collision | This coverage repairs your own car after an accident, no matter who was at fault. |
| Comprehensive | This option repairs your car after environmental damage like a flood, and it usually covers theft and vandalism as well. |
| Personal Injury Protection (PIP) | PIP can cover lost wages, death benefits, and medical bills after an accident. It is required in no-fault states like Florida. |
| Medical Payments (MedPay) | MedPay covers your medical bills up to an amount you select. |
| Uninsured/Underinsured Motorist (UM/UIM) | If you get hit by someone without car insurance, this coverage pays for your medical bills and repairs. |
Florida is the only no-fault state covered by the Southern Farm Bureau. In a no-fault state, drivers seek compensation for medical bills from their own insurance company no matter who caused the accident. That's why PIP is required in Florida. Drivers still seek compensation from the at-fault party to cover vehicle damage.
You can also get a few extra coverage options with Southern Farm Bureau car insurance. Some options, like roadside assistance, may be included if you purchase collision coverage. Extra coverages vary by state and can include:
- Arkansas: Rental and travel expense, classic car coverage, roadside assistance
- Colorado: Roadside assistance, additional physical damage, rental expense, equipment buyback, lessor additional insured, personal excess liability
- Florida: Pet injury coverage, transportation expense, travel expense
- Louisiana: Rental car coverage, roadside assistance, personal umbrella
- Mississippi: Rental coverage, roadside assistance
- South Carolina: Rental coverage, roadside assistance
Southern Farm Bureau Discounts
Don't be surprised if you find different car insurance rates than your neighbor or your best friend. That's because quotes are personalized. Auto quotes can vary because of things like:
- Age: Drivers in their teens and 20s pay more for coverage.
- Population density: Rural areas typically have lower car insurance costs.
- Driving history: Recent claims and tickets drive up your price.
- Credit score: A low score can mean high prices.
- Your car: Your car’s size, safety rating, age, and anti-theft devices can affect the price.
Discounts on Southern Farm Bureau car insurance vary by state. You might see some of the following discounts on your policy if you qualify:
- Multi-policy discount
- Accident-free discount
- Driver training discount
- Defensive driving discount
- Good student discount
- Postgraduate discount
- Farm discount
- Customer loyalty discount
- Financial responsibility discount
- Continuous coverage discount
- Insurance score discount
Because you have to be a member of your state’s Farm Bureau, you also get discounts on a number of products outside of car insurance. These may include discounts on:
- Hotels
- Rental cars
- Sporting events
- Family attractions
- Farm equipment
- New cars from certain manufacturers
- Other insurance products
- Banking services
To start comparing free car insurance quotes in your area, simply call our team at (844) 246-8209 or use the tool below:
Southern Farm Bureau Auto Insurance Reviews
Even though the Southern Farm Bureau offers insurance in six states, there are very few reviews on the company.
Here’s a review that we found about the Louisiana division on its BBB page. It was written by a customer who had a credit check done on her account without her knowledge. An agent at the Southern Farm Bureau ran her information to see the price that the company could provide before the agent had contacted her. She had not requested a quote.
“...She assured me that the 'check' that was done would not negatively [affect] my credit report/score. However, after reading the response I see that indeed it was a credit check that was done. I know I needed to give the approval to have that done. I feel my rights were violated and now I am wondering who has my social security [number].”
-via BBB
Here’s another review from a customer who was in the process of signing up for Southern Farm Bureau car insurance, but was told he could not have a copy of his signed paperwork after signing. He told the representative he didn’t want the insurance then but later received a collection notice.
“I figured he would void the paperwork and that would be that. You have 72 hours to cancel any contract [and] I canceled it within minutes. I got a collection notice from them for over three hundred dollars and... they turned me in as not having insurance. My insurance [company] had to send in a letter to state that I have insurance and have had it since 2017.”
-via BBB
Farm Bureau Mobile Agent App
Through Southern Farm Bureau's Mobile Agent app, you can file a claim or access your car insurance policy information. The Mobile Agent app offers around-the-clock access to your policy documents and ID card. You can also pay your bill, contact your agent, and request emergency roadside assistance.
The app has low ratings on the App Store and Google Play, but that's mostly because people from other states expect to be able to download and use the app for their Farm Bureau insurance. The app only works for the six Southern Farm Bureau states, but from the title, it seems like it would work for any Farm Bureau insurance policy.
Our Take On Southern Farm Bureau Auto Insurance
At the end of the day, Southern Farm Bureau car insurance could be a good choice if you live in a rural area. Depending on your state, you can also get a number of extra coverage options. However, it might not be the cheapest option on the market, which is why it’s always a good idea to get multiple car insurance quotes.
To start comparing free quotes from top car insurance providers in your area, enter your zip code below or simply call (844) 246-8209.
Best Car Insurance Providers
Shopping around is really the only way to find the best deal on car insurance. But how do you know if a company is affordable or cheap because of poor customer service or a tough claims process?
To help you sift through your options, we’ve compared a number of the best car insurance companies and ranked them on things like customer service, price, discounts, and more. We only recommend companies that perform well across multiple categories.
USAA: 4.8 Stars
Out of all the providers we looked at, USAA scored highest in our USAA auto insurance review. It usually has the lowest prices around, and its customer service department is one of the best. For example, it scored highest in every region in the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudyTM.
USAA is available to military members, veterans, and their families. It has a number of discounts, plus it has some great tools for service members who are preparing for deployment. We recommend reaching out for a quote to compare with Southern Farm Bureau car insurance.
Geico: 4.6 Stars
Geico also provides great prices and is available to any driver. You can get discounts for things like vehicle safety features, having a good driving record, being a good student, being a veteran, or being a federal employee. Geico also performed very well in the J.D. Power Satisfaction Study, and we found that many customers are happy in our Geico auto insurance review.
Methodology
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.
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