Is Missouri Farm Bureau Good for Auto Insurance?
Last Updated on January 7, 2026
Missouri Farm Bureau is a common pick for drivers across Missouri who prefer working with a local agent and don’t mind joining an organization to access insurance. The best fit depends on how you like to manage your policy, what discounts you qualify for, and whether you need specialty coverage (like rideshare).
Below is a practical breakdown of Missouri Farm Bureau auto insurance—how it works, what it covers, what stands out, and how to decide if it’s right for you.
Our Rating of Missouri Farm Bureau
4.1
out of 5
★★★★☆
Summary
Bottom line: Missouri Farm Bureau is a strong option for Missouri drivers who want local agent support and are comfortable with required membership.
Missouri Farm Bureau sells auto insurance primarily through local agents and typically requires Farm Bureau membership to purchase coverage. It offers standard auto insurance options, a range of discounts, and add-ons geared toward Missouri drivers, with service and pricing that can vary by agent, driver profile, and coverage choices.
Best for
- Drivers who prefer working with a local Missouri-based agent
- Households interested in bundling multiple policies
- Members who value regional focus over national scale
Not ideal for
- Drivers who do not want to maintain a membership
- Shoppers seeking a fully digital, online-only experience
- Customers needing rideshare coverage for transporting people
- Our Rating of Missouri Farm Bureau
- About Missouri Farm Bureau
- How Missouri Farm Bureau Auto Insurance Works
- What Makes Missouri Farm Bureau Auto Insurance Stand Out?
- Missouri Farm Bureau Auto Insurance Discounts
- Missouri Farm Bureau Reviews and Financial Ratings
- Is Missouri Farm Bureau a Good Choice for You?
- Final Word on Missouri Farm Bureau
- FAQs on Missouri Farm Bureau Auto Insurance
About Missouri Farm Bureau
| Missouri Farm Bureau Auto Insurance at a Glance | What to Know |
|---|---|
| Availability | Primarily for Missouri drivers through local agents and member enrollment |
| Membership | Farm Bureau membership is typically required to purchase coverage (dues are commonly around $30/year, but confirm current pricing when you apply) |
| Good for | Drivers who value local service, want bundled options, or prefer agent support during policy changes and claims |
| Potential drawbacks | Some specialty needs (like rideshare for transporting people) may not be available; online-first features can vary by customer and product |
Missouri Farm Bureau is part of a broader network of Farm Bureau organizations and insurance companies across the United States. Several states operate their own Farm Bureau insurance brands, including Texas, North Carolina, Indiana, Georgia, and Virginia.
Farm Bureau organizations have roots in agriculture and rural communities, but Missouri Farm Bureau insurance is not limited to farmers. In practice, coverage is sold to Farm Bureau members across the state, and service is typically delivered through local agents.
Missouri Farm Bureau is based in Jefferson City and promotes an “in every county” local presence through its county office structure and agent network.
Quick tip: Membership requirements vary by Farm Bureau organization. When comparing quotes, ask for the total annual cost including any membership dues.
How Missouri Farm Bureau Auto Insurance Works
Missouri Farm Bureau sells the core types of auto insurance most drivers expect. You can purchase a policy that meets state minimums or choose higher limits and broader protection depending on your budget and risk tolerance.
Many drivers start by deciding whether they want minimum coverage or full coverage with comp and collision (often required by lenders). Your agent can then help set liability limits and deductibles.
Common Coverage Options
| Coverage | What It Typically Helps Pay For | When It Matters Most |
|---|---|---|
| Bodily injury liability | Injuries you cause to others | You’re at fault and someone else is hurt |
| Property damage liability | Damage you cause to someone else’s car or property | You hit another vehicle, fence, building, or other property |
| Collision | Damage to your car from a collision (minus your deductible) | Your car is damaged in a crash, regardless of fault (subject to policy terms) |
| Comprehensive | Non-collision losses like theft, vandalism, hail, animal strikes (minus deductible) | Your car is damaged or stolen outside of a typical collision |
| Medical payments (MedPay) | Medical bills for you and passengers after an accident | You want extra medical coverage regardless of fault (coverage varies by policy) |
| Personal injury protection (PIP) | Medical bills and related expenses in certain no-fault states | Most common in no-fault states; Missouri drivers typically rely more on MedPay and health insurance |
| Uninsured/underinsured motorist | Injuries (and sometimes other losses) caused by drivers with no insurance or not enough insurance | You’re hit by someone who can’t fully pay for damages |
Missouri requires minimum liability coverage of 25/50/25 and also requires uninsured motorist bodily injury coverage. You can verify current minimum requirements through the Missouri Department of Revenue: https://dor.mo.gov/driver-license/insurance/
What Makes Missouri Farm Bureau Auto Insurance Stand Out?
Missouri Farm Bureau competes with other Missouri insurers on price and coverage, but many policyholders choose it for agent-based service and optional add-ons that may not be available everywhere.
Notable Programs and Add-Ons
| Feature | What It Does | Why It Can Matter |
|---|---|---|
| Local agent model | Policies are commonly sold and serviced through agents embedded in local communities | Helpful for drivers who want a person to call for coverage changes and claim guidance |
| New vehicle replacement coverage | May help replace a newer vehicle rather than paying only actual cash value | Can reduce out-of-pocket cost after a total loss (eligibility varies) |
| Equipment coverage | Can extend protection for certain installed or special equipment | Useful if you’ve invested in aftermarket stereo/audio or other equipment |
| Reducing deductible | May lower your deductible after each claim-free year (subject to program terms) | Rewards safe driving and can reduce your cost if you later file a claim |
| Emergency roadside assistance | Add-on for towing, lockouts, fuel delivery, and similar services | Convenience coverage that can be cheaper than paying per incident |
| Accidental death benefits | Additional benefit if a covered fatal accident occurs | Less common than it used to be, but still offered by some insurers as an add-on |
For drivers who deliver food or goods, Missouri Farm Bureau advertises an option called “delivery driver network coverage” for certain types of delivery work, but it does not include transporting people for services like Uber or Lyft. You can confirm details here: https://www.mofbinsurance.com/Auto/delivery-driver-network-coverage
Missouri Farm Bureau Auto Insurance Discounts
Discount availability and qualification rules vary by policy and driver profile, but Missouri Farm Bureau offers many of the standard ways to save—especially for bundling, good driving, and student eligibility.
| Discount Type | Typical Requirement | Where It Helps Most |
|---|---|---|
| Multi-vehicle | Insure multiple vehicles on the policy | Households with two or more cars |
| Multi-policy (bundling) | Combine auto with home, renters, life, or other lines (availability varies) | Drivers who want one insurer for multiple needs |
| Good student | Meet grade and enrollment requirements for a good student discount | Families insuring teen and college drivers |
| Claims-free / accident-free | Maintain a clean record for a set period to qualify for a claims-free discount | Long-term policyholders with fewer incidents |
| Occupation-based | Eligibility for certain professions, including law enforcement-related discounts (varies by insurer) | Drivers in qualifying professional groups |
| Member perks | Farm Bureau membership can include travel and retail savings separate from your premium | Drivers who use member discounts year-round |
Missouri Farm Bureau Reviews and Financial Ratings
Customer experience with any insurer can vary by agent and claim scenario. Missouri Farm Bureau’s model is built around local service, which some drivers prefer over a call-center approach—especially when they want help adjusting coverage or understanding claim steps.
Two places to check when evaluating an insurer are complaint handling and financial strength:
- BBB profile: Missouri Farm Bureau’s BBB file currently shows a BBB rating of A-. You can review the latest details (including complaints and responses) here: https://www.bbb.org/us/mo/jefferson-cty/profile/insurance-services-office/missouri-farm-bureau-0734-110206203
- A.M. Best: A.M. Best has affirmed an A- (Excellent) financial strength rating for Missouri Farm Bureau’s group companies (ratings can change over time): https://news.ambest.com/newscontent.aspx?AltSrc=23&RefNum=260063
Because Missouri Farm Bureau is not among the largest insurers in the United States, it may not appear in every national ranking, which is common for regional carriers.
Is Missouri Farm Bureau a Good Choice for You?
Missouri Farm Bureau can be a strong match if you want an agent relationship, prefer local support, and can access competitive pricing with the discounts you qualify for. It may be a weaker fit if you need specialty commercial or rideshare coverage for transporting passengers, or if you prefer a fully digital self-service experience with a robust national app ecosystem.
The most reliable way to decide is to compare your quote at the same coverage level (liability limits, deductibles, and add-ons) against other insurers, then evaluate customer support options and claim reporting methods.
Final Word on Missouri Farm Bureau
Missouri Farm Bureau is a well-known Missouri insurer with an agent-first service model and a membership structure. If you like working with a local agent and want a policy tailored to typical Missouri driving needs, it’s worth getting a quote—then comparing it side-by-side with similar coverage from other insurers.
To learn more, contact a local agent or visit the company online through the website listed below.
| Missouri Farm Bureau | |
|---|---|
| Company Address | 701 S. Country Club Drive P.O. Box 658 Jefferson City, Missouri 65102 |
| Phone Number | 1-800-922-4632 |
| Website URL | https://www.mofbinsurance.com/ |
