You don’t have to be a farmer to get Louisiana Farm Bureau auto insurance and qualify for discounts on travel, auto, home, and farm resources. But is the Farm Bureau the best choice for your vehicle?
We recently reviewed the best car insurance companies in the nation. Now we’re heading over to the Pelican State to learn more about Louisiana Farm Bureau. Read on for information about coverage, cost, and the claims process with the Farm Bureau.
Use our quote comparison tool below to get started. Or, for an even easier process, call our team at (844) 246-8209 to get free, personalized quotes seven days a week.
In this article:
- Louisiana Farm Bureau At A Glance
- Louisiana Farm Bureau Auto Insurance Coverage
- Cost Of Louisiana Farm Bureau Auto Insurance
- How To File A Claim
- Farm Bureau Ratings and Reviews
- Our Take On Louisiana Farm Bureau Auto Insurance: 4.0 Stars
- Top Car Insurance Companies In Louisiana
Louisiana Farm Bureau At A Glance
| Availability | Auto insurance from the Farm Bureau is available to anyone who has a membership. |
| Coverage | With Louisiana Farm Bureau auto insurance, you can get basic coverage to satisfy state laws or a more comprehensive insurance policy. |
| Cost and Discounts | The Farm Bureau has auto insurance discounts for safe drivers, good students, and more. |
| Customer Service | The Farm Bureau in Louisiana has mixed reviews when it comes to the quality of customer service. |
| Technology | The Farm Bureau has a convenient website and “mobile agent” app that customers can download to access policies, file claims, and make payments anytime. |
Louisiana Farm Bureau Auto Insurance Coverage
The Farm Bureau in Louisiana offers personal auto insurance, motorcycle insurance, and RV insurance. Louisiana’s state minimum requirements for liability car insurance are 15/30/25. This means motorists are required to carry:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $25,000 in property damage liability
There are other types of car insurance that are not required by the state but can be purchased in addition to liability. In total, you can get the following coverages with Louisiana Farm Bureau auto insurance.
- Bodily injury/property damage liability (BI/PD): Covers injuries and damages sustained by other drivers in accidents you cause
- Collision insurance: Covers your vehicle after an accident regardless of fault
- Comprehensive insurance: Covers your vehicle after a non-collision event like flooding, theft, vandalism, and animal damage
- Personal injury protection (PIP): Covers medical expenses, lost wages, and death benefits for you and your passengers, no matter who is at fault
- Medical payments (MedPay): Covers medical expenses for you and your passengers
- Uninsured/underinsured motorist coverage (UM/UIM): Covers you when you are in an accident with a driver that has no insurance or too little insurance
- Roadside assistance: Covers towing, jump starts, flat tire service, fuel delivery, and lockout services up to $75
Cost Of Louisiana Farm Bureau Auto Insurance
The cost of car insurance varies from one driver to the next because insurance companies take many factors into consideration to determine your premium. These can include:
- Your age, gender, and marital status
- Vehicle make, model, and year
- Driving record
- Zip code
- Credit score
To get an idea of how much you can expect to pay for Louisiana Farm Bureau auto insurance, we reached out for a quote for a 23-year-old female driver with a 2013 Subaru Forester 2.5X. This driver had no accidents or moving violations in the past year and good credit. Policies were available with monthly payments or one upfront payment for six months.
| Type of Coverage | Amount of Coverage | Price Per Month | Price Per 6 Months |
|---|---|---|---|
| BI/PD | Minimum limits | $115 | $688 |
| BI/PD, UM/UIM | Minimum limits | $142 | $854 |
| BI/PD, comprehensive | Minimum limits, $100 minimum deductible for comprehensive | $148 | $889 |
| BI/PD, collision | Minimum limits, $500 minimum deductible for collision | $159 | $955 |
| BI/PD, UM/UIM, comprehensive, collision | Minimum limits, $100 minimum deductible for comprehensive, $500 minimum deductible for collision | $220 | $1,322 |
Louisiana Farm Bureau Auto Insurance Discounts
If you purchase car insurance from the Farm Bureau in Louisiana, you can qualify for a number of discounts on your premiums.
- Driveology®: The Driveology program involves plugging a small device into your car to collect data about your driving habits. Driving safely could qualify you for cheaper insurance rates.
- Young Driver Safety Program: Any driver under the age of 25 can elect to take a driving refresher course to build safe driving habits – and save money in the process.
- Low-Mileage Discount: By driving less than 7,500 miles per year, you could save up to 20 percent with the LA Farm Bureau.
- Good Student Discount: If you are a student or graduate who has maintained a B average or higher, you could qualify for a discount on your auto insurance.
Louisiana Farm Bureau auto insurance customers are eligible for discounts on rental cars and hotels from Farm Bureau partners like Enterprise and Wyndham Hotels and Resorts. Additionally, Farm Bureau members qualify for discounts on home and farm equipment from companies like Ford, John Deere, and Sherwin-Williams.
How To File A Claim
You can file a claim by visiting the Farm Bureau website or calling 866-275-7322. If possible, you should get the following information after an accident to simplify the claims process:
- License plate numbers for all vehicles involved in the accident
- Names, addresses, and insurance information for all drivers in the accident
- Names and contact information for witnesses and vehicle passengers
Farm Bureau Ratings And Reviews
Louisiana Farm Bureau has high ratings from experts, including an A- financial strength rating from AM Best. Customers seem satisfied with Louisiana Farm Bureau auto insurance, too. In the past three years, only four customers have posted complaints on the company’s BBB page.
In fact, we had trouble finding many negative customer reviews. A high number of positive reviews note Louisiana Farm Bureau’s affordability and personable insurance agents.
“I usually don’t write reviews, but I just want to recommend a service to help those in the future. If you are a Louisiana resident, then this insurance carrier is highly [recommended]. They have affordable plans, the insurance agents develop relationships with you, and they are more than likely to understand situations when you can’t pay.”
-via Clearsurance
Our Take On Louisiana Farm Bureau Auto Insurance: 4.0 Stars
Given the affordable quotes and positive customer experience, we’re awarding Louisiana Farm Bureau 4.0 out of 5.0 stars. The company has a strong reputation, good discount availability, and convenient technology. The only thing we would like to see more of from Louisiana Farm Bureau auto insurance is extras like rental car reimbursement, but community discounts for Farm Bureau members are a nice added benefit.
Whenever you shop for car insurance, you should compare quotes from multiple providers to make sure you’re getting the best rates and coverage. Enter your zip code in the quote box below to start comparing auto insurance quotes in Louisiana, or call (844) 246-8209.
Top Car Insurance Companies In Louisiana
While you’re researching Louisiana Farm Bureau auto insurance, take a look at some other top providers in the South. Geico and USAA both performed highly in our nationwide and state-wide reviews. We recommend getting a quote from each.
Geico: Best Overall
We named Geico the best car insurance company overall for its competitive rates and strong industry reputation. Geico has received top ratings from industry experts, including an A++ (Superior) financial strength score from AM Best and an A+ rating from the BBB. Plus, Geico has a high number of satisfied customers with positive reviews across the internet.
With Geico, you can get basic liability insurance or more comprehensive coverage. Extras include roadside assistance, rental car reimbursement, mechanical breakdown insurance, and more in certain states. We also found Geico to be a great option for students.
For more information, check out our full Geico review.
USAA: Best For Military
Our research team found that the auto insurance company is the best for military personnel, veterans, and their immediate family members. Similarly to Geico, USAA has a strong reputation among experts and customers. AM Best gives USAA’s financial strength an A++ (Superior), and J.D. Power rated USAA at 900 out of a possible 1,000 for customer satisfaction in the 2021 U.S. Auto Claims Satisfaction Study. It also did outstanding across the board on the 2021 U.S. Auto Insurance Study.
USAA car insurance customers have the option to purchase coverage like roadside assistance, rental car reimbursement, and accident forgiveness. Additionally, USAA has great discounts like up to 20 percent off for parking your car on a military base.
For more information, check out our full USAA 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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