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You don't have to be a farmer to become a member of the Iowa Farm Bureau and support the Hawkeye State’s farmers and rural communities. One major benefit to joining is that you can get Farm Bureau insurance in Iowa. 

We reviewed the best car insurance providers in the nation and taken a look at some of the best providers of auto insurance in Iowa. Now, we're putting Iowa Farm Bureau insurance to the test, analyzing costs, discounts, the claims process, and customer reviews to give you a better idea of what the provider has to offer.

Use the quote tool below to start comparing quotes from car insurance providers near you.


In this article:

Overview Of Farm Bureau Insurance In Iowa

The Farm Bureau Federation has represented the “Voice of Agriculture” for nearly a century in America. The group focuses on raising agricultural awareness in schools, in government policy, and in local and state-wide communities. The Farm Bureau’s mission is to build a sustainable future, starting with the grassroots and working its way up to a more global stage.

We did our homework on Farm Bureau auto insurance in Iowa. Here’s a quick overview:


Auto insurance from the Iowa Farm Bureau is available to anyone who has a membership.


Iowa Farm Bureau offers a variety of coverage options that span the state’s basic car insurance requirements to more comprehensive car insurance plans. There are also extras like roadside assistance.

Cost and Discounts

There are many discounts available for Farm Bureau insurance. Iowa drivers can save money for being safe on the roads, getting good grades in school, and more.

Customer Service

Iowa Farm Bureau has mixed reviews when it comes to customer service.


The Farm Bureau has convenient online and app access so members can manage their car insurance policies, make payments, and file claims with ease.


Joining the Farm Bureau doesn’t just give you access to Farm Bureau auto insurance. Iowa members can also purchase products including:

  • Homeowners insurance 
  • Renters insurance 
  • Condo insurance
  • Mobile home insurance
  • Other property insurance
  • Residential equipment insurance
  • Protection from identity theft 
  • Life insurance 
  • Health insurance 
  • Farm/ranch insurance 
  • Business insurance

Iowa Farm Bureau Auto Insurance Coverage

Iowa Farm Bureau insurance can cover cars, motorcycles, recreational vehicles, and farm vehicles. In Iowa, the minimum liability limits for auto insurance are 20/40/15, which means drivers are required to carry:

  • $20,000 in bodily injury liability (BI) per person
  • $40,000 in bodily injury liability per accident
  • $15,000 in property damage liability (PD)

Auto insurance companies are also required to offer customers at least $20,000/$40,000 in uninsured/underinsured motorist coverage (UM/UIM), but this kind of car insurance isn’t required and can be waived by signing a form. Most car insurance companies offer a variety of other coverages, too, that aren’t required by state law but can be beneficial for drivers.

Here’s what you can get with Farm Bureau auto insurance in Iowa:

  • Liability insurance: BI/PD covers injuries and property damage sustained by other drivers in accidents that you cause.
  • Collision insurance: If your car is damaged in an accident, this type of insurance covers the cost regardless of who caused the accident.
  • Comprehensive insurance: If your car is damaged in an event other than a collision, such as hazardous weather, vandalism, theft, or hitting a deer, this type of coverage helps you pay for the damages.
  • Medical payments (MedPay): This covers the cost of medical expenses after an accident. It is offered in all 50 states, but the limits vary.
  • Uninsured/Underinsured motorist coverage: This type of coverage protects you when you get into an accident with a driver with insufficient insurance.
  • Replacement cost coverage: If you have a newer car and get into an accident, this coverage can replace your vehicle with a new model.
  • Roadside assistance: You can add this type of coverage to your policy to get help if you experience an issue on the road.

Farm Bureau Insurance Auto Insurance Cost And Discounts

Iowa Farm Bureau membership costs up to $55 per year, depending on what county you live in. In terms of Farm Bureau insurance, Iowa drivers' rates will be determined by factors including:

  • Make, model, and year of your car
  • Your age, gender, and marital status
  • Your driving and claims history
  • Your credit history
  • Your zip code
  • And more

The Farm Bureau has a number of discounts that may reduce the price of your premiums:

Iowa Farm Bureau Insurance Discount Details


With the Driveology program, you plug a small device into your car to track information about your driving habits. Safe driving habits could get you a discount on Farm Bureau insurance in Iowa.

Young Driver Safety Program

This program teaches safe driving practices. Any driver under 25 can complete the program and earn a discount.

Farm Bureau Member’s Choice Policy

Bundle home and auto insurance to qualify for a discount. The benefits of bundling include having just one policy, one premium, and one deductible for everything.

Claim-Free Discount

If you don’t file many claims, you could save on Iowa Farm Bureau insurance.

Good Student Discount

Students that maintain a B average or higher could earn a discount.

Low-Mileage Discount

If you drive less than 7,500 miles annually, you could qualify for savings.

Multi-Car Discount

Policyholders that insure more than one car per household can get lower rates for each added vehicle.

Continued In-Force Credit

This customer loyalty discount is for members who continue to renew their policies.


To see what discounts you qualify for, we recommend getting a quote for Farm Bureau insurance. Iowa drivers can enter their zip codes below to get free, personalized quotes.


Farm Bureau Insurance Reviews

Farm Bureau auto insurance has a strong reputation among industry experts and customers alike. The Farm Bureau has earned an A+ rating from the Better Business Bureau (BBB) and an A for financial strength from AM Best. Farm Bureau is often reviewed as a whole rather than by state or region, so these ratings may or may not be representative of Farm Bureau insurance in Iowa.

Customers have very few negative things to say about Farm Bureau car insurance. Over the past 3 years, there have only been 10 complaints filed with the BBB against Farm Bureau. Dissatisfied reviewers report issues with billing. Here's an example:

“Poor service by local agent. Failure of [corporate] office to detail how refund was calculated, as well as failure to credit to the correct date … I sold my Hyundai Accent on [Dec. 1], a Saturday. I notified them at first opportunity on Monday, [Dec. 3]. [Despite] this notification, they charged me as if no changes had occurred on [Dec. 15].”

-via BBB

In the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM, Farm Bureau earned 828 points for customer satisfaction out of a possible 1,000 in the Central region (which includes Iowa). This is slightly less than average.

Our Take On Farm Bureau Insurance: Iowa

We rate Farm Bureau Insurance in Iowa 4.0 out of 5.0 stars given its strong industry standing, vast coverage options, and added membership benefits. Members of the Iowa Farm Bureau enjoy car insurance policies with great savings. Plus, the Farm Bureau website and app make it easy to manage policies and submit claims.

To see what you would pay for car insurance in Iowa, use the free quote tool below.


Top Recommended Car Insurance Providers

It’s smart to get quotes from multiple providers when you’re shopping for auto insurance. By comparing quotes from various sources, you can be sure you’re paying the best rates for your car insurance coverage. We recommend that drivers in Iowa get quotes from Geico and USAA. These auto insurance companies performed highest in our industry-wide review.

Geico: Best Overall

After researching the top providers in the nation, we named Geico the best overall. Geico has an A++ (Superior) financial strength rating from AM Best and an A+ rating from the BBB. With high marks like those and a variety of car insurance discounts, Geico should be near the top of your list when shopping for car insurance in Iowa.

You can purchase basic liability insurance or full coverage with Geico. Roadside assistance, rental car reimbursement, and Geico mechanical breakdown insurance are also available.

Read our Geico auto insurance review for more information.

USAA: Best For Military

In our USAA auto insurance review, we found that this car insurance provider is the best option for military personnel, veterans, and their immediate family members. USAA earned an AM Best financial strength rating of A++ (Superior) and a score of 909 out of a possible 1,000 in the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM. This tells us that USAA has a strong reputation and high levels of customer satisfaction.

For eligible drivers, USAA is a great car insurance provider. You can get discounts like 20 percent off for parking your car on a military base. Plus, you can add roadside assistance, rental car reimbursement, accident forgiveness, and more to your auto insurance policy.


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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