Is Oklahoma Farm Bureau Good for Car Insurance?
Last Updated on January 8, 2026
Oklahoma Farm Bureau can be a good car insurance choice for drivers who want a local, Oklahoma-only insurer and are comfortable maintaining a Farm Bureau membership. Whether it’s “good” for you comes down to price, coverage options, and how well the company fits your driving profile—so it’s smart to compare a quote against other Oklahoma insurers.
Based in Oklahoma City, Oklahoma Farm Bureau offers auto insurance, homeowners insurance, farm and ranch coverage, and additional financial services. It operates statewide and is closely tied to the broader Oklahoma Farm Bureau organization.
Our Rating of Oklahoma Farm Bureau
3.4
out of 5
★★★☆☆
Summary
Bottom line: Oklahoma Farm Bureau is worth a look if you want an Oklahoma-only carrier and don’t mind maintaining membership, but you should compare pricing and policy details against other insurers.
Oklahoma Farm Bureau offers standard auto insurance coverages and common add-ons, plus a broader lineup that includes home and farm/ranch policies and related services. The insurer’s main differentiators are its local, statewide footprint and a membership model that can add an extra step (and cost) to keeping coverage in force. Because value depends on your quote, coverage options, and how the company fits your driving profile, it’s best to match limits and deductibles across carriers and confirm membership dues and renewal timing before you finalize a policy.
Best for
- Drivers who want a local, Oklahoma-only insurer with statewide presence
- Rural households and members who also need farm/ranch-related coverage expertise
- People comfortable with a Farm Bureau membership requirement and dues that may vary by county
Not ideal for
- Drivers who live outside Oklahoma or want multi-state availability
- Shoppers who prefer insurance without a membership requirement or separate dues
- Anyone who wants to buy and manage coverage entirely online without local office involvement
- Our Rating of Oklahoma Farm Bureau
- About Oklahoma Farm Bureau
- Oklahoma Farm Bureau Products & Services
- How Does Oklahoma Farm Bureau Auto Insurance Work?
- What Makes Oklahoma Farm Bureau Unique?
- Oklahoma Farm Bureau Auto Insurance Discounts
- Oklahoma Farm Bureau Reviews: What Should You Look For?
- Final Word on Oklahoma Farm Bureau
- FAQs on Oklahoma Farm Bureau Car Insurance
About Oklahoma Farm Bureau
Oklahoma Farm Bureau was founded in 1942 by Oklahoma farmers and ranchers to support agricultural and rural community interests. A few years later, the organization expanded into insurance to help members access reliable coverage options, including for drivers who struggled to find affordable insurance.
Today, Oklahoma Farm Bureau Insurance serves all 77 counties in the state and offers insurance and related services across the state of Oklahoma. While it’s well known for farm and ranch expertise, membership is generally open to Oklahoma residents (not just farmers and ranchers).
Quick tip: OKFB insurance typically requires an active Farm Bureau membership, and dues can vary by county. Ask your local office what membership costs and renewal dates look like before you finalize a policy.
| Oklahoma Farm Bureau Company Info | |
|---|---|
| Address | 2501 N Stiles Ave Oklahoma City, OK 73105 |
| Phone Number | 1-405-523-2300 |
| Website URL | https://okfbinsurance.com |
Oklahoma Farm Bureau Products & Services
Oklahoma Farm Bureau offers insurance and member services that cover many common household, vehicle, and agricultural needs. Availability and specific endorsements can vary by policy form.
| Product | What It Typically Covers |
|---|---|
| Auto Insurance | Coverage for personal vehicles and certain farm-related vehicle uses, depending on underwriting and policy type. |
| Home Insurance | Homeowners, renters, and related personal property and liability protections. |
| Recreational Vehicle Insurance | Options for vehicles like ATVs, side-by-sides, RVs, boats, motorcycles, and similar recreational exposures. |
| Farm & Ranch Insurance | Policies designed for farm/ranch property, equipment, liability, and specialized vehicle use that may not fit standard personal programs. |
| Life Insurance | Common life insurance options such as term, whole life, and universal life (subject to eligibility and underwriting). |
| Financial Services | Member access to services that may include retirement planning, annuities, and related financial tools. |
| Roadside Assistance | Membership-style roadside help options, depending on program details. See Farm Bureau roadside assistance coverage. |
How Does Oklahoma Farm Bureau Auto Insurance Work?
Oklahoma Farm Bureau auto insurance works like most standard policies: you choose coverages, limits, and deductibles, then pay a premium for protection against liability claims and certain vehicle damage or injury-related costs.
At a minimum, Oklahoma drivers must carry liability insurance, but many policies are built above the minimums for better protection. You can also build a policy that meets or exceeds your state’s minimum requirements and add optional protections based on your vehicle and budget.
Common Coverage Options You Can Add
| Coverage | What It Pays For | Why It Matters In Oklahoma |
|---|---|---|
| Liability Insurance | Injuries and property damage you cause to others. | Oklahoma’s minimum liability limit is commonly described as 25/50/25, but minimum limits can be quickly exhausted in a serious accident. |
| Uninsured/Underinsured Motorist | Injuries (and sometimes property damage) when the other driver has no insurance or not enough. | If you’re deciding whether it’s worth it, review whether you need uninsured motorist coverage. |
| Medical Payments Coverage | Certain medical and funeral costs for you and your passengers, regardless of fault (up to policy limits). | Learn how medical payments coverage works and when it can fill gaps. |
| Collision Coverage | Repairs to your vehicle after a crash, regardless of fault (subject to deductible). | Most lenders require it for financed vehicles. See collision coverage. |
| Comprehensive Coverage | Damage from non-collision events (hail, theft, vandalism, fire, falling objects, animal strikes, etc.). | Often valuable for weather and theft risks. See comprehensive coverage. |
| Additional Transportation Expense | Helps pay for a rental car while your vehicle is being repaired after a covered claim. | Also known as rental car reimbursement coverage. |
| Roadside Assistance | Help with common breakdown issues. | Roadside assistance may cover some towing situations, fuel delivery, battery jumpstarts, flat tire changes, and similar services (program terms vary). |
What Makes Oklahoma Farm Bureau Unique?
Oklahoma drivers can shop among many insurers, but Farm Bureau-style carriers tend to stand out in a few predictable ways—especially for rural property and farm/ranch risks.
| Potential Advantage | What It Means For Policyholders |
|---|---|
| Strong Farm & Ranch Focus | Specialized coverage knowledge for agricultural property and vehicle use that may not fit standard personal lines. |
| Local, Oklahoma-Only Footprint | Coverage and service designed around Oklahoma risks and regulations, rather than a nationwide one-size-fits-all approach. |
| Membership Model | Access to insurance is typically tied to maintaining an active Farm Bureau membership, which can come with additional member benefits. |
Oklahoma Farm Bureau Auto Insurance Discounts
Oklahoma Farm Bureau offers many discounts that are comparable to other car insurance companies. Eligibility depends on the driver, vehicle, coverage choices, and underwriting rules.
Common Discounts To Ask About
| Discount | Typical Qualification | Notes |
|---|---|---|
| Scholastic (Good Student) | Full-time students meeting academic requirements. | See how a good student discount usually works. |
| Driver Longevity Credit | Continuous time insured with the company. | Often a form of customer loyalty pricing, sometimes tied to claims/violations. |
| Defensive Driving | Completion of an approved course. | Details vary by state and insurer—here’s how defensive driving discounts typically apply. |
| Multi-Vehicle | Two or more vehicles on the same policy. | Related: multi-car discounts explained. |
| Companion / Bundling | Multiple policies (auto + home, for example). | Bundling can help, but it’s still worth comparing total premium across carriers with the same coverage limits. |
Oklahoma Farm Bureau Reviews: What Should You Look For?
When evaluating any insurer, focus on two things: (1) financial strength (the ability to pay claims over time) and (2) service consistency (claims handling, communication, and problem resolution).
For business reputation and complaint handling, Oklahoma Farm Bureau Mutual Insurance Co. has a profile with the Better Business Bureau (BBB), where ratings and details can change over time.
For financial strength, A.M. Best currently lists Oklahoma Farm Bureau Mutual Insurance Company with a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of bbb+ (Good) (with the issuer credit rating outlook shown as negative as of the most recent rating event). You can review the current rating details directly through A.M. Best here: A.M. Best Company Profile.
Quick tip: If two insurers quote similar prices, compare (1) liability limits, (2) comprehensive/collision deductibles, and (3) rental/roadside options. Small differences in policy details can matter more than a small premium gap.
Final Word on Oklahoma Farm Bureau
Oklahoma Farm Bureau is a major Oklahoma-based insurer offering auto, home, and farm/ranch coverage statewide. It can be a strong fit for drivers who value local service and want coverage aligned with Oklahoma risks—especially for rural households and agricultural exposures.
Before you buy, confirm the membership requirement and renewal details, then compare quotes with the same limits and deductibles so you can judge value accurately.
