Is Kentucky Farm Bureau Good for Auto Insurance?
Last Updated on June 5, 2023
Kentucky Farm Bureau is a Kentucky-based insurance company and agricultural advocacy organization.
Also known as KFB, Kentucky Farm Bureau was founded in Louisville in 1919. Today, with over 500,000 members, Kentucky Farm Bureau is one of the largest Farm Bureaus in the United States.
Is Kentucky Farm Bureau good for car insurance? Should you buy auto insurance through Kentucky Farm Bureau? Find out everything you need to know about KFB auto insurance today in our review.
- Kentucky Farm Bureau is a regional insurance company and agricultural advocacy organization that offers auto insurance and other products to its members in Kentucky.
- Kentucky Farm Bureau has a strong reputation for its financial stability, customer service, and claims processing. It has received high ratings from A.M. Best and the Better Business Bureau.
- Kentucky Farm Bureau offers basic but comprehensive auto insurance coverage, with options for liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection.
- Kentucky Farm Bureau is not the cheapest car insurance provider in Kentucky and requires an annual membership fee to access its insurance products.
- Insurance Panda rates Kentucky Farm Bureau 3.8/5
- About Kentucky Farm Bureau
- Kentucky Farm Bureau Insurance Products & 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: What Do Customers Have to Say?
- Frequently Asked Questions
- Our Rating of Kentucky Farm Bureau
- Final Word on Kentucky Farm Bureau
About Kentucky Farm Bureau
Kentucky Farm Bureau is an agricultural advocacy organization founded in 1919 to represent farmers across Kentucky.
Since 1943, Kentucky Farm Bureau has sold insurance to policyholders across the state. The company originally sold insurance exclusively to farmers. Today, Kentucky Farm Bureau sells insurance to any KFB members in the state. You pay an annual membership fee, then get discounted car insurance and other perks.
Today, Kentucky Farm Bureau is the largest property and casualty insurance in Kentucky.
Kentucky Farm Bureau continues to support agricultural communities and farmers across Kentucky. In addition to selling Farm Bureau insurance, the company provides membership services like Women’s Leadership Activities, Ag in the Classroom, Certified Roadside Farm Markets, Young Farmers, and other initiatives. Members can also access financial services through Farm Bureau Bank.
Kentucky Farm Bureau has agents in all 120 counties of the Bluegrass State. The company protects 462,000 Kentucky families and businesses with a range of insurance products, using its 75+ years of insurance industry experience to continue protecting policyholders.
|Kentucky Farm Bureau Contact Info|
|Address||9201 Bunsen Parkway
Louisville, KY 40220
Kentucky Farm Bureau Insurance Products & Services
Kentucky Farm Bureau offers a range of insurance products for different needs, including all of the following:
Home Insurance: Kentucky Farm Bureau sells home insurance for homeowners, renters, and others across the state. You can buy liability coverage, property coverage, personal property coverage, and more through Kentucky Farm Bureau.
Farm Insurance: Kentucky Farm Bureau insures 65,000 farms across Kentucky. The company’s farm insurance covers property (including dwelling, personal property, and additional living expenses), liability (including bodily injury, property damage, and medical payments liability), farm equipment and farm buildings, farm employees, and more. Whether you need to protect a family farm or a commercial agricultural operation, Kentucky Farm Bureau is the most popular farm insurance provider in the state.
Mobile Home: Kentucky Farm Bureau offers mobile home insurance coverage. You can buy coverage for your mobile home, personal property, other buildings, and additional living expenses. You can also buy liability coverage, fire damage coverage, explosion coverage, windstorm and hail coverage, and other coverage items.
Motorcycle Insurance: You can buy insurance for motorcycles and other alternative vehicles through Kentucky Farm Bureau.
Commercial Coverage: You can buy commercial coverage through Kentucky Farm Bureau, insuring your business and its assets with the company.
Umbrella Insurance: Many homeowners buy umbrella insurance for added protection over their assets. Umbrella coverage encompasses your car insurance and homeowners insurance with a larger limit, giving you added protection from liability.
Health & Life Insurance: Kentucky Farm Bureau offers health and life insurance across Kentucky.
Other Coverages: Kentucky Farm Bureau also offers specialized insurance for churches, boat owners, earthquakes, floods, and more.
How Does Kentucky Farm Bureau Auto Insurance Work?
Kentucky Farm Bureau is the most popular property and casualty insurance company in Kentucky. The company insures drivers in every corner of the state.
Kentucky Farm Bureau’s auto insurance works similarly to other auto insurance policies. You can buy minimum liability coverage, full coverage, and other options, depending on your needs:
Liability Coverage: Kentucky Farm Bureau offers bodily injury liability and property damage liability coverage, both of which are required by the state of Kentucky when driving on public roads. You can meet the minimum insurance requirements in Kentucky (25/50/10). Or, you can exceed them for added protection and peace of mind.
Physical Damage Coverage: Kentucky Farm Bureau offers collision coverage and “other than collision” coverage (also known as comprehensive coverage). Optional in every state, collision and comprehensive coverage protect your own vehicle after a loss. You can receive compensation for accident damages, single-vehicle accidents, theft, vandalism, hail damage, fire damage, and more.
Uninsured and Underinsured Motorist Coverage: It’s illegal to drive a car without insurance in Kentucky, yet approximately 16% of Kentucky drivers are uninsured. Many motorists buy uninsured and underinsured motorist coverage for added protection.
Other Coverage Options: Kentucky Farm Bureau also offers medical payments coverage, towing and labor coverage, rental reimbursement and travel expense coverage, and other optional auto insurance add-ons.
What Makes Kentucky Farm Bureau Auto Insurance Unique?
Kentucky drivers have plenty of options for car insurance. However, Kentucky Farm Bureau is the most popular property and casualty insurance company in the state. Customers buy car insurance through Kentucky Farm Bureau because of all of the following perks:
Local Service from Local Agents: If you like the idea of buying insurance from an agent who lives and works in your community, then Kentucky Farm Bureau may be the right choice. Kentucky Farm Bureau agents serve all 120 counties in Kentucky. If you need to adjust coverage, file a claim, or upgrade your policy, you do so through your insurance agent.
Exclusively for Farm Bureau Members: Kentucky Farm Bureau exclusively sells car insurance to Farm Bureau members. You must pay an annual fee to become a member, although membership is not restricted to farmers or agricultural employees. Anyone can join Kentucky Farm Bureau to access affordable car insurance and other benefits.
Support for Agricultural Initiatives: Like other Farm Bureau companies, Kentucky Farm Bureau supports agricultural initiatives across the state. The company is closely involved with agricultural communities, advocating for farmers and agricultural businesses all over Kentucky.
Wide Range of Insurance Products: Some insurance companies only sell auto insurance and home insurance. Kentucky Farm Bureau, however, sells a full range of insurance products, including home, auto, business, life, and health insurance, among other products.
Kentucky Farm Bureau Auto Insurance Discounts
Kentucky Farm Bureau offers many of the same discounts you can find with other insurers. You can also find unique insurance discounts you wouldn’t get anywhere else.
Discounts available through Kentucky Farm Bureau include:
Good Student Discount: Kentucky Farm Bureau offers a good student discount to full-time students with a B average or higher. Just bring in a transcript or ask a school official to complete a Good Student Discount form, and you could save hundreds on car insurance.
Driver’s Training Discount: Drivers who complete a certified safe driving course can receive a discount. This discount applies to single drivers under the age of 25 or married male drivers under 21. Drivers between ages 21 and 24 cannot qualify for the driver’s training discount and the good student discount simultaneously. You must choose one or the other.
DriveRight Discount: Kentucky Farm Bureau offers a safe driving discount through its DriveRight program. This discount rewards drivers who have gone 3, 5, or 8 years without an accident or claim. The longer you’ve gone without accidents, the higher your discount climbs. You could qualify for discounts of up to 25%.
Defensive Driving Course Discounts: Kentucky Farm Bureau offers defensive driving course discounts to senior drivers. If you are aged 55 and older and have completed an approved driver safety course, then you can receive a discount by providing Kentucky Farm Bureau with your certificate of completion.
Military Defensive Driving Course: Kentucky Farm Bureau offers a unique discount to military personnel who have completed a defensive driving course provided by the United States Armed Forces.
Multi-Vehicle Discounts: Drivers who insure multiple vehicles with Kentucky Farm Bureau will save more money.
Active Property Discount: Kentucky Farm Bureau offers an active property discount to policyholders with multiple policies. If you have any two home, life, auto, or business insurance policies bundled with Kentucky Farm Bureau, then you can save.
School Bus Driver Discount: Certified school bus drivers may qualify for Kentucky Farm Bureau’s school bus driver discount.
Umbrella Discount: Drivers who carry umbrella insurance could qualify for an additional discount from Kentucky Farm Bureau.
Kentucky Farm Bureau Reviews: What Do Customers Have to Say?
Kentucky Farm Bureau is well-rated across Kentucky. However, as the state’s largest property and casualty insurance provider, there are inevitably some customers who are unsatisfied with their experience.
Kentucky Farm Bureau has an average rating of 3.5 stars out of 5 from WalletHub, based on 20+ reviews across the internet. Insurance review website Clearsurance has a 4.13 star out of 5 rating based on 250+ customer reviews. Most reviewers like Kentucky Farm Bureau for its easy-to-use website, transparent pricing, and variety of coverage options.
Motor1 reviewed Kentucky Farm Bureau and gave the company an overall rating of 4 stars, praising the company for its strong A.M. Best and BBB ratings, its transparent and accessible website, and its local agents and customizable plans. However, Motor1 disliked the lack of coverage compared to larger insurers.
Kentucky Farm Bureau has an A+ rating from the Better Business Bureau (BBB).
A.M. Best has awarded Kentucky Farm Bureau an A (Excellent) rating based on its financial strength and stability. As an A (Excellent) company, Kentucky Farm Bureau has “an excellent ability to meet their ongoing obligations to policyholders,” according to A.M. Best.
Frequently Asked Questions
Final Word on Kentucky Farm Bureau
Kentucky Farm Bureau is Kentucky’s biggest property and casualty insurance company. You can buy car insurance, home insurance, and other insurance products through Kentucky Farm Bureau.
To learn more about Kentucky Farm Bureau or to find an agent near you, visit the company online at KYFB.com.