We take a look at the Kentucky favorite for auto insurance.
If you hail from the Bluegrass State or are getting ready to move to the area, Kentucky Farm Bureau may be one of your top contenders for Kentucky car insurance. Though smaller than its national competitors, Kentucky Farm Bureau insurance is well-loved in the state.
We've reviewed the best car insurance companies on the market and have chosen top recommendations. As always, we recommend getting several free car insurance quotes before choosing a provider.
Enter your zip code in the free tool below to compare top providers in your area.
In this article:
- About Kentucky Farm Bureau Insurance
- Kentucky Farm Bureau Insurance Coverage
- Kentucky Farm Bureau Cost And Discounts
- Customer Reviews For Kentucky Farm Bureau Insurance
- Our Take On Kentucky Farm Bureau Insurance: 4.0 Stars
- Our Recommendations For Auto Insurance
- Frequently Asked Questions
About Kentucky Farm Bureau Insurance
Based out of Louisville, Kentucky Farm Bureau Mutual Insurance Company (KYFB for short) is a part of the larger American Farm Bureau Federation, an organization formed in 1919 to represent farm families. Today, Farm Bureau branches serve all residents, regardless of background or industry.
Kentucky Farm Bureau is recognized by industry experts and customers alike:
- AM Best: Financial strength rating of A (Excellent)
- Better Business Bureau (BBB): A+ rating and accreditation
- J.D. Power: 851 points out of a possible 1,000 in the 2020 U.S. Auto Insurance StudySM
Availability is one of Kentucky Farm Bureau’s strong suits. There are a number of local agents across the state.
We also like Kentucky Farm Bureau’s transparent and well-designed website, which can be rare for a smaller agency. The site clearly lays out various insurance policies, discount opportunities, and ways to get insurance quotes.
We did find KY Farm Bureau insurance coverage to be a bit sparse compared to larger agencies. However, Kentucky Farm Bureau can still be a strong choice if you are:
- Living in Kentucky
- A homeowner looking to bundle insurance plans
- Planning to stay with the company in the long run
- A student, senior, or military member
- Not looking for many bells and whistles
Besides auto insurance, Kentucky Farm Bureau offers more insurance products, including:
- Life insurance
- Home insurance
- Business insurance
- Farm insurance
- Boat insurance
- Flood insurance
- Health insurance
What Are The Benefits Of Being A Farm Bureau Member?
In order to get KY Farm Bureau car insurance, you need to be a member of the Farm Bureau. An annual fee, usually between $25 and $50, gets you access to Farm Bureau Bank and a variety of discounts, including travel discounts at places like Wyndham Hotels and home discounts at stores like Sherwin-Williams.
Kentucky Farm Bureau Insurance Coverage
The car insurance laws in the state of Kentucky are somewhat complicated. Kentucky is what’s known as a “choice no-fault” state. Overall, all Kentucky drivers must maintain a minimum of both liability insurance and personal injury protection (PIP) insurance. These break down into the following amounts:
- $25,000 in bodily injury liability insurance per person
- $50,000 in bodily injury liability insurance per accident
- $25,000 in property damage liability insurance
- $10,000 in PIP coverage
You have the option to reject PIP coverage by requesting to waive your no-fault rights with the DMV, but the Kentucky DMV website warns that this can raise your insurance rates.
With all this in mind, it could be beneficial to work with a company that specializes in Kentucky’s tricky car insurance laws. Here are the types of auto insurance you can get with the Kentucky Farm Bureau:
- Bodily Injury Liability Auto Insurance (BI): Pays for the injuries of other drivers in accidents you cause
- Property Damage Liability Insurance (PD): Pays for the property damages of other drivers in accidents you cause
- Collision Insurance: Covers damages to your vehicle after a collision
- Comprehensive Car Insurance: Covers damages to your vehicle after a non-collision event like inclement weather, theft, or vandalism
- Uninsured/Underinsured Motorist Coverage: Covers you and your vehicle if you get into an accident with a driver without insurance or with insufficient insurance
- Personal Injury Protection (PIP): Covers your medical expenses, lost wages, and funeral expenses
- Medical Payments: Additional insurance for medical payments related to an accident
- Roadside assistance: Coverage for towing and labor
- Rental Reimbursement/Transportation Expenses: Pays a specified amount toward a rental car and travel expenses after you are in a covered accident
Kentucky Farm Bureau Cost And Discount
The average car insurance payment varies widely from state to state. Kentucky falls near the middle of the pack, according to a 2018 study by the Insurance Information Institute. Kentucky drivers spent an average of $936.91 on car insurance that year, which was lower than the national average of $1,056.55.
Kentucky Farm Bureau insurance products offer ways for people to save money. The website includes a list of available discounts and member benefits, including:
|Discount||Who It's For|
Good Student Discount
Full-time students with a B average or higher
Driver’s Training Discount
Young drivers who have completed a certified safe driver’s course (cannot be combined with the Good Student discount)
Safe Driver Discount/DriveRight® Discount
Drivers with a clean driving record for a set amount of years (up to 25 percent off)
Senior Operator Accident Prevention
Drivers over 55 who complete an approved safety course
Military Defensive Driving Course
Members of Armed Forces who have taken a military defensive driving course
Auto Safety Devices Discount
Drivers with anti-lock brakes, airbags, and passive restraints
Drivers with more than one car
Active Property Discount
Policyholders who bundle insurance for a home, mobile home, or farm
School Bus Driver Discount
Certified school bus drivers
Umbrella Discount Discount
Policyholders that also have umbrella coverage through Kentucky Farm Bureau
Customer Reviews For Kentucky Farm Bureau Insurance
The BBB is a good place to start when you want to know more about customer experiences with a company. In the last three years, Kentucky Farm Bureau insurance has only received 10 complaints on its BBB page, which isn’t very many. The company is small, though, so it also doesn’t have many reviews.
Between BBB and Google, here are a few reviews by Kentucky Farm Bureau insurance customers that caught our eye.
“I am dissatisfied in the way that my claim process has been handled. I have gone back and forth with the insurance company claim adjuster and the auto body repair shop continually since my car has been in the shop to be repaired.”
“Friendly and professional service, highly recommend! Agent Brent took care of not only my car insurance, but proactively helped me out with renters insurance as well. Great rates for both, glad I made the choice of Kentucky Farm Bureau.”
-Hannah T. in Bardstown, KY, via Google
Our Take On Kentucky Farm Bureau Insurance: 4.0 Stars
Overall, we rate Kentucky Farm Bureau insurance with 4.0 out of 5.0 stars. Kentucky Farm Bureau insurance may be right for you if you’re looking to work with a smaller company with simple, straightforward coverage. You can enjoy service from local insurance agents and access a variety of discounts.
Our Recommendations For Auto Insurance
Your car insurance rates will vary depending on your age, vehicle make and model, zip code, and more. Because of this, we always recommend getting at least three auto insurance quotes so you can compare coverage and prices.
While you’re looking into Kentucky Farm Bureau, consider some of the best car insurers in the nation, pulled from our recent study of industry leaders. USAA and State Farm are two providers that performed well in Kentucky, earning 5.0- and 4.5-star ratings from us, respectively.
Use our tool below to start comparing providers in Kentucky.
USAA: Best For Military
In J.D. Power’s Auto Insurance Study, USAA ranked seven places higher than Kentucky Farm Bureau in the Southeast. We like USAA for its affordable rates, many discounts, and nationwide availability and support. Not to mention, the provider has a great mobile app.
To become a USAA member, you need to be a military service member, a veteran, or an immediate family member of someone who served. If you qualify, you can get the following types of auto insurance coverage with USAA:
- Standard coverage
- Roadside assistance
- Rental reimbursement
- Accident forgiveness
- Glass coverage
- Gap insurance
- Car replacement assistance
Read our USAA auto insurance review for all the details.
State Farm: Best For Students
State Farm is the largest car insurance provider in the nation, with 16 percent of the market share according to 2020 data from the National Association of Insurance Commissioners.
The auto insurance giant is known for its strong reputation, variety of insurance discounts for students, and mobile apps Drive Safe & Save™ and Steer ClearⓇ.
State Farm has an A+ rating from the BBB, and its main mobile app has a 4.7-star rating on Google Play and a 4.8-star rating on the App Store. With State Farm car insurance, you can get the following types of coverage:
- Standard coverage
- Roadside assistance
- Rental and travel expense coverage
- Rideshare coverage
Read our State Farm auto insurance review for more information.
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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