Is Georgia Farm Bureau Good for Auto Insurance?

Last Updated on May 7, 2023

Georgia Farm Bureau is a Georgia-based insurance company that insures 300,000 families across the state.

Originally founded to serve farmers, Georgia Farm Bureau now serves policyholders all over Georgia. The company continues to emphasize a community-centric approach to insurance. Georgia Farm Bureau supports farmers across the state through various local, state, and federal agricultural initiatives.

Georgia Farm Bureau car insurance is popular with drivers who want reasonable prices and a personalized approach to car insurance. But is Georgia Farm Bureau a good car insurance company? In our review, find out everything you need to know about Georgia Farm Bureau today.

Key Takeaways:

• Georgia Farm Bureau is a membership-based organization that supports farmers and rural communities in Georgia. It also offers various types of insurance products, including auto insurance.
• Georgia Farm Bureau auto insurance is available only to members who pay an annual fee of $35, giving them access to other benefits and discounts.
• Georgia Farm Bureau auto insurance offers a variety of coverage options for drivers in Georgia, including liability, collision, and comprehensive coverage.
• Georgia Farm Bureau’s auto insurance has received mixed customer reviews, with some praising the company’s customer service and affordable rates, while others have reported issues with claims processing and communication.
• Insurance Panda rates Georgia Farm Bureau 3.7/5

About Georgia Farm Bureau

Georgia Farm Bureau is a Macon, Georgia-based organization founded in 1937 by 50 farmers. Today, the Georgia Farm Bureau Federation is Georgia’s largest voluntary agricultural organization, covering hundreds of thousands of families across the state.

Georgia Farm Bureau continues to market its services primarily to families in rural communities of Georgia, and the company has a strong base across rural Georgia.

Since launching in 1937, Georgia Farm Bureau has grown to operate 158 organizations across the state. The company also supports local, state, and national agricultural initiatives, promoting the interests of Georgia farmers in a way we don’t see with any other insurance company.

In addition to selling car insurance, Georgia Farm Bureau provides home, farm, life, and health insurance, among other products and services.

Georgia Farm Bureau differentiates itself from the competition by offering insurance through a network of local agents. You can request a quote online or over the phone, although many Georgia Farm Bureau customers continue to do business through their local agents.

Georgia Farm Bureau Insurance
Company Address	1620 Bass Road P.O. Box 7068 Macon, GA 31209
Phone Number	1-800-342-1192
Website URL	https://www.gfbinsurance.com/

How Does Georgia Farm Bureau Car Insurance Work?

Like other leading insurance companies, Georgia Farm Bureau now offers easy online quote requests, a free mobile app, and other modern services. The company continues to grow while serving nearly 300,000 policyholders across the state.

Georgia Farm Bureau offers similar car insurance products to some of its larger competitors.

You can buy minimum liability car insurance through Georgia Farm Bureau. Or, you can buy comprehensive and collision coverage, among other optional car insurance coverages.

Georgia Farm Bureau also offers accident forgiveness, driver training discounts, insurance for farm vehicles, multi-policy discounts, safe driver discounts, good student discounts, and other bonuses – similar to the offerings from other insurance companies.

Core Car Insurance Products Available Through Georgia Farm Bureau Include:

Bodily Injury Liability Coverage: Georgia Farm Bureau offers bodily injury liability coverage as required in the state of Georgia. This coverage compensates victims for medical bills and lost wages after an accident you cause.

Property Damage Liability Coverage: Georgia Farm Bureau offers property damage liability coverage, which is also required in the state of Georgia. This coverage covers any damage you cause to someone’s property – like their vehicle or home – in an accident you caused.

Collision Coverage: Georgia Farm Bureau offers collision coverage to drivers, which covers the cost of repairing your own vehicle after an accident. Collision coverage is optional in every state.

Comprehensive Coverage: Georgia Farm Bureau also offers comprehensive coverage, which covers the cost of repairing your vehicle after theft, vandalism, environmental damage, fallen tree branches, and other damage. Like collision coverage, comprehensive coverage is optional in Georgia (and every other state).

Georgia Farm Bureau Car Insurance Products & Services: What Makes Them Unique?

Georgia Farm Bureau is popular across Georgia, covering 300,000 families across the state. The company emphasizes a more personal approach to car insurance without charging excessively higher prices than its competitors.

Some of the unique car insurance products and services available through Georgia Farm Bureau include:

Local Emphasis: The Georgia Farm Bureau website repeatedly mentions the value of local claims, local billing, and local service. Instead of dealing with a faceless nationwide company and instead of sitting on hold for hours with customer service, Georgia Farm Bureau policyholders work with local agents for most aspects of claims and service. Your local Georgia Farm Bureau insurance agent will help you with claims, billing, and other services.

Popular with Farmers: Georgia Farm Bureau is more than just an insurance company. The company also advocates for farmers across Georgia. And Georgia Farm Bureau offers insurance products just for farmers, including farm insurance, insurance for farm vehicles, and more.

Multiple Insurance Products: While some car insurance companies only sell car insurance, Georgia Farm Bureau sells a range of insurance products, including life, health, home, and auto insurance. Many policyholders bundle multiple products with the company to save money and maximize convenience.

Farm Auto Rates: Do you have a farm vehicle? Farm vehicles require different insurance than vehicles driven on public roads. Georgia Farm Bureau provides farm auto rates, making it easy to get the right policy for a farm truck or similar vehicle driven on your private land.

Personalized Quotes: While other insurance companies force drivers into ill-fitting packages, Georgia Farm Bureau customizes quotes to each driver’s unique needs. Instead of paying the same rates as other drivers in your demographic, you get rates customized based on your driving history, credit score, and other factors.

Private Passenger Auto (PPA): Georgia Farm Bureau offers a unique type of car insurance policy called a Private Passenger Auto (PPA) policy. You pay extra for this policy, but it covers emergency roadside assistance, compensating you for towing, fuel delivery, and other charges if needed.

Georgia Farm Bureau Auto Insurance Discounts

Like all car insurance companies, Georgia Farm Bureau offers a range of car insurance discounts, including accident forgiveness, driver training discounts, and more.

Discounts Available Through Georgia Farm Bureau Include:

Accident Forgiveness: You can add accident forgiveness to your policy to negate the cost of a single at-fault accident. You must buy this coverage before the accident. If you have accident forgiveness, then a single at-fault accident will not impact insurance rates – although multiple at-fault accidents will cause rates to rise. Typically, you can forgive one at-fault accident every five years with accident forgiveness.

Driver Training Discounts: If you recently completed driver training, then you could qualify for a discount with Georgia Farm Bureau. Typically, this discount applies to young drivers and older drivers.

Farm Auto Discounts: As mentioned above, Georgia Farm Bureau offers special car insurance for farm vehicles, allowing you to insure a farm truck and similar vehicles at a discount rate.

Good Student Discounts: Students who maintain a GPA of roughly 3.0 or higher in high school or college may qualify for a good student discount with Georgia Farm Bureau.

Safe Driver Discounts: If you have 3 to 7 years of clean driving history with Georgia Farm Bureau, then you could qualify for a safe driver discount. If you have had zero accidents, citations, or speeding tickets in recent years, then you could save hundreds per year on car insurance with Georgia Farm Bureau.

Multi-Line Discounts: Georgia Farm Bureau offers multi-line or multi-policy discounts. If you buy multiple insurance products with Georgia Farm Bureau, then you will save 10% to 30% off all insurance products by bundling them under a single policy.

Georgia Farm Bureau Reviews: What Do Customers Have to Say?

Georgia Farm Bureau is generally well-rated among customers and review organizations.

The company has a B++ (Good) rating with A.M. Best, which analyzes insurance companies for their financial strength. That’s a lower rating than many other car insurance companies in the United States. It suggests Georgia Farm Bureau could struggle to cover policies in a disaster scenario – say, if one or more hurricanes impact a large percentage of Georgia Farm Bureau policyholders in a short period of time. Most competing insurance companies – even smaller companies – have a rating of A (Excellent) or higher.

Georgia Farm Bureau is not large enough to receive a rating from J.D. Power, which only tracks the top 20 largest car insurance companies in the United States.

What about policyholders? What do policyholders have to say about Georgia Farm Bureau? On most review websites, Georgia Farm Bureau has a strong rating.

With 74 reviews on WalletHub, for example, Georgia Farm Bureau has an average rating of 3.3 stars out of 5. NerdWallet has awarded the company a 4.0-star rating.

On Clearsurance, Georgia Farm Bureau has a similar rating of 3.65 stars out of 5. That may not sound impressive – but many of the company’s larger competitors have ratings of 2 or lower. Most people don’t take the time to review their auto insurance company unless something goes wrong, so a 3.65-star rating isn’t bad.

Georgia Farm Bureau Pros and Cons

The pros and cons of Georgia Farm Bureau, according to real reviewers and policyholders, include:

Pros

• Some of the cheapest car insurance premiums in Georgia
• Farm-centric insurance policies and coverage, including farm insurance, farm auto insurance policies, and more
• Easy and affordable car insurance for the entire family
• Friendly, locally-based agents with a personal approach to insurance
• Strong claims satisfaction for auto insurance claims
• Transparent pricing and a strong selection of discounts

Cons

• Some customers complain about issues with homeowners insurance, particularly with claims, rising premiums, and denied coverage
• You have to be a member of Georgia Farm Bureau to buy auto insurance. This costs $35 annually.
• You may have limited options for online services and claims

Frequently Asked Questions

Final Word – Georgia Farm Bureau Auto Insurance Review

Overall, Georgia Farm Bureau has strong reviews compared to competing insurance companies. The company is well-rated for its strong car insurance policies and products, and the company is particularly popular with those living in rural areas or small towns in Georgia.

Although there are minor complaints about Georgia Farm Bureau’s homeowner’s insurance, the company is very well-rated for its car insurance, with strong ratings for claims satisfaction and customer service across Georgia. Whether you are in downtown Atlanta or in the rural foothills of the state, Georgia Farm Bureau can provide you with insurance coverage you can count on.