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, we’ve found that many of the Farm Bureau branches, including Kentucky Farm Bureau, are strongly reviewed and have a significant number of cost-saving options.
At the start of the year, our team analyzed over 30 major providers across the country to choose the best car insurance companies. Though Kentucky Farm Bureau car insurance didn’t make the list due to its regional specificity, we’ll compare its customer service reviews, coverage options, cost, and claims process with the same methods we used for our study.
As always, we recommend getting several free car insurance quotes before choosing a provider. To collect and compare quotes from providers available in your state, call (855) 518-0148 or use the tool below:
In this article:
- About Kentucky Farm Bureau Insurance
- Kentucky Farm Bureau Insurance Coverage
- Kentucky Farm Bureau Cost And Discounts
- How To Request A Quote
- Kentucky Farm Bureau Claims Process
- Customer Reviews For Kentucky Farm Bureau Insurance
- Final Thoughts On Kentucky Farm Bureau Insurance
- Our Recommendations For Auto Insurance
- Frequently Asked Questions
About Kentucky Farm Bureau Insurance
The state’s local Kentucky Farm Bureau is a part of the larger American Farm Bureau Federation, an organization formed in 1919 to represent farmworkers. 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: 830 points out of a possible 1,000 in the 2019 U.S. Auto Insurance Study
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 categories, discount opportunities, and ways to get insurance quotes.
We did find KY Farm Bureau car 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
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 Kentucky Farm Bureau:
- Bodily Injury Liability 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 Discounts
The average car insurance payment varies widely from state to state. Kentucky falls near the middle of the pack, according to a 2016 study by the Insurance Information Institute. Kentucky drivers spent an average of $838.89 on car insurance that year, which was lower than the national average of $935.80.
Though the state has the right to base your premium on a range of factors, Kentucky Farm Bureau suggests you have the following information handy when speaking with an agent.
- Vehicle details
- Name of registered owner
- Prior insurance company
- Date of vehicle purchase
- Ticket and accident history
- License suspension history
Kentucky Farm Bureau places emphasis on saving 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 took 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
How To Request A Quote
Kentucky Farm Bureau aims to connect with local customers in a personalized way. Although you begin the quotes process through the website, an agent from your local branch will contact you by phone to iron out the details and hear more about your preferences. The website also provides a handy checklist to gather information before you request a quote.
Use our tool below or call (855) 518-0148 to start comparing car insurance quotes:
Kentucky Farm Bureau Claims Process
What about when you get into an accident? Kentucky Farm Bureau recommends calling your local office during business hours. If you need immediate assistance, you can also call the 24-hour claims number. After you report a claim, you can expect a call from your agent within 24 to 48 hours.
The claims process for KY Farm Bureau car insurance does not have rave reviews. J.D. Power only gave it two out of five Power Circles based on customer experiences. And as expected, the majority of complaints on Kentucky Farm Bureau’s Better Business Bureau (BBB) page pertain to a confusing claims experience. Reviewers report a frustrating back-and-forth process between the repair shop and agency to get a claim settled.
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 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 Smith 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
Final Thoughts On Kentucky Farm Bureau Insurance
Kentucky Farm Bureau may be the right auto insurance provider for you if you’re looking to work with a smaller company with simple, straightforward coverage. The company’s number of local agents in Kentucky is definitely a plus. You can bundle KY Farm Bureau car insurance with other products from the Farm Bureau, and if you have a clean driving record or are willing to take a defensive driving course, you can get even better rates.
Remember, though, that 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.
Use our tool below or call our team at (855) 518-0148 to start comparing providers in Kentucky.
Our Recommendations For Auto Insurance
While you’re looking into Kentucky Farm Bureau, consider some of the best car insurance companies 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. We recommend getting quotes from both car insurance providers.
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, high number of 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 insurance review for all the details.
State Farm: Best For Students
State Farm is the largest car insurance provider in the nation, with 17 percent of the market share according to 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 it’s main mobile app has a 4.3-star rating on Google Play and 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 insurance review for more information.
Frequently Asked Questions
Does Kentucky Farm Bureau raise rates after filing a claim?
This is a common concern for all auto insurance companies. The short answer is: It depends. The company will decide based on your driving and specific claims records.
Do I pay a deductible if the accident wasn’t my fault?
You are responsible for deductibles in either case, but in certain situations, your KY Farm Bureau car insurance claims representative will try to recover damages if the other person is responsible.
Does Kentucky Farm Bureau have health insurance?
Yes. Kentucky Farm Bureau offers health insurance through a partnership with Anthem Blue Cross Blue Shield.
What is the cheapest car insurance in Kentucky?
In our research, we found State Farm to be the cheapest car insurance provider in Kentucky. State Farm has low rates and a variety of discounts that can make coverage affordable. Discounts include a good driving discount, good student discount, and driving training discount, among others.
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.
Use our tool below or call (855) 518-0148 to start comparing personalized car insurance quotes:
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