Does Farm Bureau Insurance of Tennessee Have Good Auto Insurance?
Last Updated on January 8, 2026
Farm Bureau Insurance of Tennessee can be a good option for car insurance if you prefer working with a local agent and don’t mind a membership-based insurer. The biggest “catch” is that you generally need an active Tennessee Farm Bureau membership to purchase and keep coverage.
Farm Bureau Insurance of Tennessee offers auto, home, and life insurance (plus related coverage types) for policyholders across the state. This review explains how it works, what it covers, and what to compare before you request a quote.
Our Rating of Farm Bureau Insurance of Tennessee
4.3
out of 5
★★★★☆
Summary
Bottom line: Farm Bureau Insurance of Tennessee can be a strong fit if you want in-person agent service and are comfortable maintaining Tennessee Farm Bureau membership to keep your policy.
Farm Bureau Insurance of Tennessee is headquartered in Columbia and sells policies through agents across the state, with eligibility generally tied to maintaining an active Tennessee Farm Bureau membership (typically renewed annually). Auto coverage works like most carriers—choose liability limits to drive legally, then add options like collision, comprehensive, medical payments, uninsured/underinsured motorist, emergency road service, and rental reimbursement based on your needs and budget.
Best for
- Tennessee drivers who prefer working with a local agent
- Households that want to keep auto and home (and other lines) with one Tennessee-focused insurer
- Drivers comfortable with a membership-based eligibility requirement
Not ideal for
- Drivers who don’t want to pay for or maintain Tennessee Farm Bureau membership
- Shoppers who prefer a fully online/direct-buy experience over an agent model
- People who need coverage outside Tennessee
- Our Rating of Farm Bureau Insurance of Tennessee
- About Farm Bureau Insurance of Tennessee
- Farm Bureau Insurance of Tennessee Insurance Products & Services
- How Does Farm Bureau Insurance of Tennessee Auto Insurance Work?
- What Makes Farm Bureau Insurance of Tennessee Unique?
- Farm Bureau Insurance of Tennessee Discounts
- Farm Bureau Insurance of Tennessee Reviews & Ratings
- Final Word on Farm Bureau Insurance of Tennessee
- FAQs About Farm Bureau Insurance of Tennessee
About Farm Bureau Insurance of Tennessee
Farm Bureau Insurance of Tennessee is headquartered in Columbia, Tennessee, and sells policies through agents statewide. While the organization’s roots are in supporting agriculture, insurance eligibility is not limited to farmers.
Like many Farm Bureau insurers, Farm Bureau Insurance is tied to a membership organization (the Tennessee Farm Bureau). In practice, most applicants need to maintain an active membership—typically renewed annually—to be eligible for coverage.
The Tennessee Farm Bureau Federation was founded in 1921, and the insurance operations began later to meet the coverage needs of Tennessee families and farm owners. Today, Farm Bureau remains one of the best-known Tennessee-based car insurance options, especially for drivers who want in-person service.
| Farm Bureau Insurance of Tennessee Contact Info | |
|---|---|
| Mailing Address | P.O. Box 307 Columbia, TN 38402-0307 |
| Customer Service | 1-877-876-2222 |
| Claims (24/7 Reporting) | 1-877-876-2222 |
| Website | https://www.fbitn.com/ |
Farm Bureau Insurance of Tennessee Insurance Products & Services
Farm Bureau Insurance of Tennessee offers several personal and commercial insurance lines. Availability, endorsements, and eligibility can vary by location and underwriting guidelines.
| Coverage Type | What It’s Typically Used For |
|---|---|
| Auto Insurance | Policies that can meet Tennessee’s auto insurance requirements and optional coverage beyond the minimum. |
| Home Insurance | Homeowners, renters, and other property protections (coverage options vary by property type and location). |
| Farm Insurance | Coverage built for farms and agricultural risks, often including liability and property-related protections. |
| Business Insurance | Commercial coverage options for qualifying businesses (commonly property and liability-related policies). |
| Health Plans | Health plan options offered through Farm Bureau Health Plans, depending on eligibility and plan availability. |
| Life Insurance & Annuities | Term and permanent life insurance options and annuities for longer-term planning needs. |
How Does Farm Bureau Insurance of Tennessee Auto Insurance Work?
Farm Bureau Insurance of Tennessee auto insurance works like most policies: you choose liability limits (to drive legally), then add coverages that protect your own vehicle and passengers. Drivers can purchase minimum coverage or build a full coverage policy with optional add-ons.
Common Coverages Available
| Coverage | What It Covers | Why It Matters |
|---|---|---|
| Liability | Bodily injury and property damage liability for harm you cause others. | Required to drive legally in Tennessee; may help with repairs, medical bills, lost wages, and related damages for others. |
| Collision | Collision coverage helps repair or replace your vehicle after a covered crash, subject to your deductible. | Often required by lenders/lessors; important if you can’t comfortably pay for major repairs out of pocket. |
| Comprehensive | Comprehensive coverage helps pay for non-collision losses like theft, vandalism, weather damage, fire, animal impacts, and glass damage, subject to a deductible. | Protects against common “parking lot and storm” losses that collision doesn’t cover. |
| Medical Payments | Medical payments coverage can help pay medical expenses for you and passengers after a covered accident. | Useful if you want extra help with out-of-pocket medical costs regardless of fault. |
| Uninsured/Underinsured Motorist | Uninsured and underinsured motorist coverage may include bodily injury and property damage protections when the other driver doesn’t have enough insurance. | Helps protect you from drivers who can’t pay for the damage they cause. |
| Emergency Road Service | Emergency road service can help with towing, locksmith service, fuel delivery, and similar roadside needs (subject to policy terms). | Convenient for drivers who want a built-in roadside option instead of a separate membership plan. |
| Rental Reimbursement | Rental reimbursement can help pay for a rental car while your vehicle is being repaired after a covered claim. | Helps avoid unexpected transportation costs after a claim. |
Quick tip: When comparing quotes, match the same liability limits and deductibles across insurers. A “cheap” quote often looks cheaper because the limits are lower or key add-ons (like rental reimbursement) aren’t included.
What Makes Farm Bureau Insurance of Tennessee Unique?
Tennessee drivers can choose between national insurers and regional companies. Farm Bureau Insurance of Tennessee stands out in a few practical ways:
- Agent-based service across Tennessee: Many policyholders prefer having a local office for billing questions, coverage changes, and claims guidance.
- Farm Bureau membership model: You typically must be a Tennessee Farm Bureau member to buy insurance. Membership dues are commonly listed as $30 per year for a family membership, but dues and eligibility rules can change—confirm current requirements when you request a quote.
- Member perks may be available: Some membership benefits (discount programs and partner offers) can be available, but offerings can change over time—treat them as a bonus, not the main reason to buy coverage.
- Pricing can be competitive for some drivers: Like any insurer, rates depend on driver history, location, vehicle, and coverage choices. If cost is your top priority, compare Farm Bureau against other low-cost car insurance companies using the same limits and deductibles.
Farm Bureau Insurance of Tennessee Discounts
Discounts vary by driver profile and policy setup, and eligibility often depends on documentation (grades, mileage, training certificates, or prior coverage history). Common discount categories include:
| Discount Type | Typical Requirement | Related Resource |
|---|---|---|
| Bundling | Multiple policies with the company (often auto + home). | See how bundling works with home and auto insurance. |
| Multi-Vehicle | More than one vehicle insured on the same account or policy. | Learn about multi-car discounts. |
| Safe Driving | Clean driving record for a set period. | How the good driver discount typically works. |
| Good Student | Full-time students meeting academic benchmarks. | Good student discount rules. |
| Young Driver Training | Approved driver safety course completion (often for drivers under 25). | Practical defensive driving tips and training considerations. |
| Low Mileage | Driving below a certain annual mileage threshold. | How low mileage discounts can work. |
Farm Bureau Insurance of Tennessee Reviews & Ratings
J.D. Power: Many regional insurers don’t appear in national J.D. Power studies because the reports focus on participating carriers and larger market segments. Here’s how J.D. Power auto insurance rankings typically work.
AM Best: AM Best ratings can be a useful checkpoint for financial strength. Farm Bureau’s affiliated insurance companies have received strong ratings in recent years, including A+ (Superior) affirmations discussed in AM Best releases. For background, see our guide to AM Best ratings.
Ward’s Top 50 recognition: Farm Bureau has also highlighted Ward’s Top 50 recognition in its newsroom updates. (This is a financial performance benchmarking program and doesn’t replace reading your actual policy terms.)
Learn more about Farm Bureau’s Ward’s Top 50 recognition.
BBB and online reviews: BBB ratings and consumer review scores can vary by office location and the specific entity listed. Treat them as one input, then focus on the quote details, claim process, and how service is delivered in your county.
Final Word on Farm Bureau Insurance of Tennessee
Farm Bureau Insurance of Tennessee is worth considering if you want a local agent and a membership-based insurer with a long operating history in the state. The best way to decide is to compare a Farm Bureau quote against at least two competitors using the same limits, deductibles, and add-ons.
To request a quote or confirm membership requirements and discounts, visit FBITN.com.
