Does Farm Bureau Insurance of Tennessee Have Good Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 5, 2026 How we fact-check

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

Farm Bureau Insurance of Tennessee is an agent-sold, membership-based insurer that sells auto coverage statewide for drivers who want local service.

3.4

out of 5

★★★☆★☆

Checked October 14, 2026 · How we score insurers

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

Tennessee-only availability Local agent model Membership required Low complaint ratio

Summary

Bottom line: Farm Bureau Insurance of Tennessee can be a good fit if you want in-person agent service and are comfortable maintaining Tennessee Farm Bureau membership to keep your policy. It draws very few complaints, but its website names no specific auto discounts, so ask the agent what you qualify for.

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

Table Of Contents

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
Sources

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.

The name on your policy will be one of three companies that trade together as Tennessee Farmers Insurance Companies: Tennessee Farmers Mutual Insurance Company, Tennessee Farmers Assurance Company or Tennessee Farmers Life Insurance Company. One thing worth being clear about: these are Tennessee companies and they write in Tennessee. Farm Bureau insurers are organized state by state, so a Farm Bureau policy in Texas or Michigan comes from a different company with different products, different rates and a different claims number.

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 began in July 1921. The insurance side came later: Tennessee Farmers Mutual Insurance Company was founded in 1948 to write property and casualty coverage, and Tennessee Farmers Life followed in 1973. Today the federation reports nearly 690,000 member families and calls itself the largest state Farm Bureau in the country, and the insurer says it has over 500 agents and over 200 offices across Tennessee. That makes it 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	Tennessee Farmers Insurance Companies 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 have to be a Tennessee Farm Bureau member to buy insurance. Its membership page puts it plainly: “You don’t have to be a farmer to get auto and property insurance from Farm Bureau Insurance, but you do have to be a member of the Tennessee Farm Bureau.” The same page advertises dues of “$30 per family,” checked October 5, 2026. Dues and eligibility rules can change, so confirm them when you request a quote.
Member perks: Membership includes discounts on goods and services, health and safety programs, a membership magazine four times a year and savings through the Member Savings app. Offerings change over time, so treat them as a bonus rather than 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

Farm Bureau Insurance of Tennessee’s auto page does not name specific discounts, so treat the categories below as a list to ask your agent about. Discounts vary by driver profile and policy setup, and eligibility often depends on documentation (grades, mileage, training certificates, or prior coverage history). Categories to ask about 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: Farm Bureau Insurance of Tennessee did not win its region in J.D. Power’s 2026 U.S. Auto Insurance Study. Tennessee falls in the study’s Southeast region, where Erie placed first with a score of 691. Here’s how J.D. Power auto insurance rankings work.

AM Best: On July 28, 2026, AM Best affirmed a Financial Strength Rating of A+ (Superior) with a stable outlook for Tennessee Farmers Mutual, Tennessee Farmers Assurance and Tennessee Farmers Life. In the same action it revised the long-term issuer credit outlook on the two property and casualty companies back to stable from negative, where it had sat since July 2024. So the headline rating has held, and the credit outlook has recovered. For background, see our guide to AM Best ratings.

Complaints: Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 0.01 for Tennessee Farmers Mutual Insurance Company, the company that writes its auto policies, based on 2 confirmed complaints. An index of 1.00 is what a company of that size would be expected to draw.

Ward’s Top 50 recognition: Ward’s 50 has been running since 1991 and screens insurers for safety, consistency and performance. Tennessee Farmers Life has made the list for 18 consecutive years as of July 2025. The property and casualty company was on it for a sixth consecutive year as of July 2022; the 2025 announcement names the life company only. This is financial benchmarking and it doesn’t replace reading your actual policy terms.

Learn more about Farm Bureau’s Ward’s Top 50 recognition.

BBB: The Better Business Bureau profile for Tennessee Farmers Insurance Companies in Columbia is an accredited business rated A+, with 13 complaints over the last three years and 4 closed in the last twelve months. Those are BBB’s figures, read on October 5, 2026. BBB records vary by office location and by the entity listed, so treat them as one input, then focus on the quote details, the 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.

My advice is to add the $30 dues to the premium before you compare anything. On a six-month policy that is $30 against a national carrier’s quote, and it decides more of these comparisons than people expect.

FAQs About Farm Bureau Insurance of Tennessee

Do I Have to Be a Farmer to Get Farm Bureau Insurance of Tennessee Auto Insurance?

No. Coverage is not limited to farmers. But membership is not optional: the company’s own membership page says you don’t have to be a farmer to buy auto and property insurance from Farm Bureau Insurance, but you do have to be a member of the Tennessee Farm Bureau.

How Much Is Tennessee Farm Bureau Membership?

Farm Bureau Insurance of Tennessee advertises “$30 per family” on its own membership page, checked October 5, 2026. Dues and rules can change, so confirm the current amount and the renewal timing when you request a quote.

Can I Buy Full Coverage Through Farm Bureau Insurance of Tennessee?

Yes. Full coverage typically means you have liability plus comprehensive and collision, and you can often add options like rental reimbursement, roadside assistance, and medical payments coverage.

Is Uninsured/Underinsured Motorist Coverage Available?

In most cases, yes. This coverage can help protect you if the other driver has no insurance or doesn’t have enough coverage to pay for the damage they caused.

What Discounts Should I Ask About First?

Start with bundling and multi-vehicle discounts, then ask about safe driver, good student, young driver training, and low-mileage discounts. Ask what proof is required and when it must be submitted.

How Do I File a Claim With Farm Bureau Insurance of Tennessee?

You can start with your local agent, file through your online account, or call 877-876-2222. Farm Bureau Insurance of Tennessee says that line takes claims reports 24/7. Keep photos, the date of loss, and any police report information ready to speed up the process.

Is Farm Bureau Insurance of Tennessee Cheaper Than National Companies?

It depends on your driving record, location, vehicle, and the coverages you choose. The most reliable approach is to compare multiple quotes using identical limits and deductibles.

Sources

Checked October 5, 2026

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