Is Kentucky Farm Bureau Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 14, 2026 How we fact-check

Kentucky Farm Bureau (KFB) can be a strong auto insurance choice for Kentucky drivers who prefer local agent service and are willing to pay yearly Farm Bureau membership dues, since KFB sells its insurance to members. If you want a fully online, multi-state insurer with national scale, a larger carrier may be a better fit.

Below is what to know about Kentucky Farm Bureau auto insurance, including how membership works, what coverages are typically available, and the discounts that can meaningfully lower your premium.

Our Review of Kentucky Farm Bureau

A Kentucky-only, membership-based insurer with local agents in every county and strong bundling potential.

3.6

out of 5

★★★☆★☆

Checked October 14, 2026 · How we score insurers

Customer satisfaction: we couldn’t confirm a 2026 J.D. Power rating for Kentucky Farm Bureau, so it gets an average score for this part.

Kentucky-only carrier Membership-based pricing Local agent network Low complaint ratio

Summary

Bottom line: Kentucky Farm Bureau can be a strong fit for Kentucky drivers who want local agent help and plan to use membership and bundling to lower costs.

Kentucky Farm Bureau sells auto insurance to members across Kentucky through a statewide network of local offices and agents, with membership open to non-farmers as well. Coverage is structured like a standard personal auto policy, with typical options such as liability, collision, other-than-collision/comprehensive, uninsured/underinsured motorist coverage, personal injury protection, medical payments, and add-ons like towing and labor costs and rental reimbursement/transportation expenses. Because eligibility and pricing are tied to membership and discounts can vary by household, the most reliable way to judge value is to compare an apples-to-apples quote (same limits and deductibles) and confirm which discounts and endorsements apply to your situation.

Best for

Kentucky drivers who prefer local agent service over a fully online experience
Households that want to bundle auto with home, farm, or umbrella coverage in Kentucky
Members who are willing to pay an annual fee to access Farm Bureau pricing and benefits

Not ideal for

Drivers who want a multi-state insurer with national scale and broader availability
Shoppers who prefer to buy, manage, and service everything fully online

Table Of Contents

Our Review of Kentucky Farm Bureau
About Kentucky Farm Bureau
Kentucky Farm Bureau Insurance Products and Services
How Does Kentucky Farm Bureau Auto Insurance Work?
What Makes Kentucky Farm Bureau Auto Insurance Unique?
Kentucky Farm Bureau Auto Insurance Discounts
Kentucky Farm Bureau Reviews and Ratings
Final Word on Kentucky Farm Bureau
Frequently Asked Questions About Kentucky Farm Bureau Auto Insurance
Sources

About Kentucky Farm Bureau

Kentucky Farm Bureau is a Kentucky-based agricultural advocacy organization founded in 1919 to represent farmers and rural communities across Kentucky. Its insurance affiliate, Kentucky Farm Bureau Mutual Insurance Company, was formed in 1943 and sells its insurance to Farm Bureau members.

Today, KFB sells insurance to members across Kentucky (membership is open to non-farmers as well). In addition to auto insurance, the organization supports Kentucky communities through education and agricultural programs and maintains a statewide network of agents.

Kentucky Farm Bureau describes itself as the largest property and casualty insurance company domiciled in Kentucky, with agents in all 120 counties and 15 regional claims offices.

Kentucky Farm Bureau Contact Info
Address	9201 Bunsen Parkway Louisville, KY 40220
Main Phone	502-495-5000
Customer Service	1-800-206-6887 (weekdays, 8 a.m. to 5 p.m. Eastern)
Claims Hotline	1-866-KFB-CLAIM (1-866-532-2524)
Contact / Find Help	https://www.kyfb.com/contact-information/
Website	https://www.kyfb.com/

Quick tip: Because KFB auto insurance is membership-based, ask an agent to quote your policy both with and without bundling (auto-only vs. auto + home) so you can see whether the membership + bundle savings are worth it for your household.

Kentucky Farm Bureau Insurance Products and Services

Kentucky Farm Bureau offers a broad lineup for Kentucky members. Availability and endorsements can vary by policy form, but common lines include:

Coverage Type	What It’s For	Typical Buyer
Auto Insurance	Personal auto policies from state-minimum limits to broader protection	Kentucky drivers who want local service and member pricing
Home Insurance	Homeowners, renters, and mobile home policies	Members looking to bundle and simplify coverage
Farm Insurance	Property and liability coverage designed for farms and ag operations	Farm owners and agricultural businesses statewide
Commercial Coverage	Commercial policies for businesses; ask an agent which property, liability, and vehicle coverages apply	Small business owners needing local support
Umbrella Insurance	Extra liability protection above auto/home limits	Households with higher asset exposure
Other Specialty Lines	Options for motorcycles, boats, and other specialty risks (varies)	Members who prefer one carrier relationship

How Does Kentucky Farm Bureau Auto Insurance Work?

KFB auto insurance works like most standard personal auto policies: you choose liability limits, add physical damage coverage if you want protection for your own vehicle, and then customize the policy with optional add-ons.

Common coverages include:

Coverage	What It Covers	Where to Learn More
Liability Coverage	Injuries and property damage you cause to others	Kentucky minimum limits and why rates vary: Kentucky auto insurance requirements
Collision	Damage to your vehicle from a crash (subject to your deductible)	Often paired with comprehensive as part of full coverage
Other Than Collision	Non-collision losses (theft, hail, vandalism, animal strikes, etc.)	How other than collision coverage works
Comprehensive	Another term many insurers use for non-collision losses	What comprehensive coverage typically includes
Uninsured/Underinsured Motorist	Helps protect you if you’re hit by a driver with too little (or no) insurance	The difference between uninsured and underinsured coverage
Personal Injury Protection	Medical-related benefits after a crash, depending on policy and state rules	How medical bills and lost wages can be covered
Optional Add-Ons	Medical payments, towing and labor costs, and rental reimbursement/transportation expenses	Towing, rental reimbursement, and travel expenses

Because coverage options and endorsements can differ by policy form, the most reliable approach is to ask your agent for a quote showing: (1) state-minimum limits, (2) your preferred liability limits, and (3) the same policy with collision/comprehensive and a higher deductible.

What Makes Kentucky Farm Bureau Auto Insurance Unique?

KFB stands out primarily for its Kentucky-only focus and agent network. Key differentiators include:

Local agents in all 120 counties: Many members prefer in-person support for policy changes and claims guidance, including how and when to adjust coverage.
Membership-based eligibility: Auto insurance is generally tied to Farm Bureau membership, which can unlock insurance pricing plus other member programs.
Broad product lineup for bundling: If you also need home, farm, or umbrella coverage, a single relationship can simplify billing and coordination.

Kentucky Farm Bureau Auto Insurance Discounts

KFB offers many of the same discounts you’ll see with other insurers, plus member-focused pricing. Eligibility and stacking rules vary, so ask for a full discount review during quoting.

Discount	Who Typically Qualifies	Notes
Good Student	Full-time students with a B average or better (a transcript or signed school form is required)	See the good student discount basics
Driver Training	Single drivers under 25, or married male drivers under 21, who complete a certified driver’s course	Can’t be combined with Good Student for drivers 21 to 24; confirm eligibility with your agent
Claim-Free / Safe Driving	Drivers with 3, 5, or 8 years without an at-fault accident or claim (up to 25%, per KFB)	How the claims-free discount commonly works
Senior Operator Accident Prevention Course	Drivers 55 and older who complete an approved course	How defensive driving discounts work
Military Driver Training	Military members with a certificate from an approved U.S. Armed Forces defensive driving course	See military auto insurance discounts
Safety and Anti-Theft Devices	Vehicles with anti-lock brakes, anti-theft devices, or passive restraints	Learn about safety feature discounts and anti-theft discounts
Multi-Vehicle	Households insuring more than one vehicle	How multi-car discounts work
Umbrella Discount	Members carrying an umbrella policy	Umbrella basics: personal umbrella insurance
Active Property / Multi-Policy	Members who also carry a KFB homeowner, mobile homeowner, or farm policy	Bundling can be one of the biggest drivers of savings
DriveRight Mobile	Drivers who use KFB’s safe-driving app and log three trips	Up to 5%, per KFB
School Bus Driver	Certified school bus drivers with yearly proof of recertification	Ask your agent how it applies

Kentucky Farm Bureau Reviews and Ratings

For regional insurers, the most useful third-party signals are usually financial strength and complaint history. Kentucky Farm Bureau Mutual Insurance Company is rated A- (Excellent) for financial strength by AM Best, the fourth-highest grade on its scale. AM Best lowered the rating from A (Excellent) to A- on June 12, 2025, and changed the outlook from negative to stable.

The complaint record is a strength. Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 0.38 for the two companies that write Kentucky Farm Bureau auto policies, based on 43 confirmed complaints. An index of 1.00 is what companies of that size would be expected to draw, so KFB drew well under half its expected share.

You can also review the company’s Better Business Bureau profile and complaint history here. When we checked on October 14, 2026, the BBB listed Kentucky Farm Bureau as accredited with an A+ rating and seven complaints in the past three years. Those numbers change over time, so use them alongside your quote experience and agent support.

Final Word on Kentucky Farm Bureau

Kentucky Farm Bureau is a Kentucky-only, membership-based insurer with a deep local agent network. If you want personal service and plan to bundle multiple policies in Kentucky, it’s often worth getting a quote. The best way to judge value is to compare KFB against at least two other insurers at the same limits, deductibles, and add-ons.

To learn more or find an agent, visit KYFB.com.

My advice is to ask the local agent for a quote that applies the discounts KFB actually lists, like the safe driver credit and the home or farm bundle, and then add the yearly membership dues before you compare it with other insurers. Save the claims hotline, 1-866-532-2524, in your phone before you need it.

Frequently Asked Questions About Kentucky Farm Bureau Auto Insurance

Do I have to be a farmer to buy Kentucky Farm Bureau auto insurance?

No. Kentucky Farm Bureau calls itself a voluntary organization of farm families and their allies, and its insurance is sold to members, not only farmers. You join through a county Farm Bureau office or online and pay yearly dues, so ask the agent what membership costs before you compare quotes.

Can I get a Kentucky Farm Bureau quote online?

You can start a quote request online at KYFB.com, and KFB says a local agent then contacts you to finish it. An agent can also confirm discounts, underwriting rules, and which endorsements are available for your situation.

How do I file an auto claim with Kentucky Farm Bureau?

During business hours, call your local KFB agent’s office, or report the claim online at my.kyfb.com. After hours, KFB’s claims hotline is 1-866-KFB-CLAIM (1-866-532-2524), answered weekdays from 4:30 p.m. to 9 a.m. Eastern and around the clock on weekends.

Does Kentucky Farm Bureau offer full coverage car insurance?

Yes. “Full coverage” typically means you carry liability plus comprehensive and collision. Your agent can quote different deductibles and add-ons like rental reimbursement or towing to tailor protection and price.

What discounts are most common with Kentucky Farm Bureau?

KFB lists multi-vehicle, home or farm bundling, good student, driver training, safe driver (up to 25%), DriveRight Mobile app (up to 5%), senior driver course, military defensive driving, umbrella, school bus driver, and safety device discounts. Eligibility and stacking rules can vary, so ask for a discount review.

Is Kentucky Farm Bureau a good option if I move out of Kentucky?

KFB is generally designed for Kentucky residents. If you move out of state, you may need to replace your policy with an insurer licensed and actively writing auto insurance in your new state. Start shopping before your move to avoid a lapse.

How should I compare Kentucky Farm Bureau to other insurers?

Compare quotes using the same liability limits, deductibles, and add-ons. Then consider the membership fee, agent support, and the claims process so you’re comparing overall value—not just the headline premium.

Sources

Checked October 14, 2026

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