Is Kentucky Farm Bureau Good for Auto Insurance?
Last Updated on January 8, 2026
Kentucky Farm Bureau (KFB) can be a strong auto insurance choice for Kentucky drivers who prefer local agent service and don’t mind paying a small annual membership fee to access Farm Bureau pricing and benefits. 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 Rating of Kentucky Farm Bureau
4.1
out of 5
★★★★☆
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, and common add-ons like towing, rental reimbursement, and travel-related benefits. 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
- Our Rating 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
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, has sold insurance in the state since the 1940s and is closely associated with Farm Bureau membership.
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 is widely known as a major Kentucky-based writer of property and casualty insurance and operates through local offices across all 120 counties.
| Kentucky Farm Bureau Contact Info | |
|---|---|
| Address | 9201 Bunsen Parkway Louisville, KY 40220 |
| Main Phone | 502-495-5000 |
| 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 condo 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 | Business property and liability, plus commercial auto where applicable | 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 | Common add-ons like towing, rental, and travel-related benefits | 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 meeting grade requirements | See the good student discount basics |
| Driver Training | Young drivers completing an approved program | Some discounts may not stack; confirm eligibility with your agent |
| Claim-Free / Safe Driving | Drivers with longer periods without at-fault accidents or claims | How the claims-free discount commonly works |
| Defensive Driving | Often available for qualifying drivers (including many seniors) | How defensive driving discounts work |
| Military Driver Training | Eligible service members completing qualifying training | See military auto insurance discounts |
| Safety and Anti-Theft Devices | Vehicles with qualifying safety equipment and security systems | 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 with multiple lines (auto + home, etc.) | Bundling can be one of the biggest drivers of savings |
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) by A.M. Best, which is considered a strong financial strength level for an insurer.
You can also review the company’s Better Business Bureau profile and complaint history here. Keep in mind that BBB ratings and complaint totals can change over time, so it’s best used 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.
