Is Louisiana Farm Bureau Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 15, 2026 How we fact-check

Louisiana Farm Bureau sells auto insurance to Farm Bureau members across Louisiana, with policies typically written and serviced through a local agent network. It can be a good fit if you prefer an agent-first experience and want a Louisiana-focused insurer. The company says you must join, and stay a member of, a local parish Farm Bureau to buy and keep its insurance.

Based in Baton Rouge, Louisiana Farm Bureau emphasizes local service for both rural and urban drivers, plus a mix of auto, home, and life options for people who like bundling coverage through one agent.

Is Louisiana Farm Bureau good for car insurance? This review explains how membership works, what coverages are available, and what to verify before you switch.

Our Rating of Louisiana Farm Bureau

Louisiana Farm Bureau is a membership-based, agent-sold insurer focused on Louisiana drivers who want local service and the option to bundle multiple policies.

3.3

out of 5

★★★☆★☆

Checked October 14, 2026 · How we score insurers

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

Local agent network Louisiana-focused coverage Low complaint ratio AM Best A (Excellent)

Summary

Bottom line: Louisiana Farm Bureau can be a good choice for Louisiana drivers who want an agent-first experience and don’t mind joining a parish Farm Bureau to qualify. It has very few complaints for its size, though it names few add-ons or discounts.

Louisiana Farm Bureau sells auto insurance to Farm Bureau members across Louisiana, with policies typically written and serviced through a local agent network. Coverage can be set to meet state minimum requirements or customized with higher limits and optional protections, and the company notes some coverages (such as Medical Payments) may be required on its auto policies even when the state doesn’t mandate them. The best way to evaluate fit is to confirm membership requirements, compare quotes using identical limits and collision/comprehensive deductibles, and ask which discounts or programs, such as the DriveDown deductible reward, are actually included in your price, since the auto pages don’t name specific discounts.

Best for

Louisiana drivers who prefer working with a local agent for quoting and service
Households interested in bundling auto with home, life, or other lines through one agent
Drivers willing to join a parish Farm Bureau to get coverage

Not ideal for

Drivers who want a direct, online-only insurer without membership requirements
Shoppers who don’t want to join a Farm Bureau to qualify for an auto policy
Anyone comparing quotes without matching required coverages, limits, and deductibles

Table Of Contents

Our Rating of Louisiana Farm Bureau
About Louisiana Farm Bureau
Louisiana Farm Bureau Insurance Products & Services
How Does Louisiana Farm Bureau Auto Insurance Work?
What Makes Louisiana Farm Bureau Unique?
Louisiana Farm Bureau Auto Insurance Discounts
Louisiana Farm Bureau Reviews: What Do Customers Have to Say?
Final Word on Louisiana Farm Bureau
FAQs About Louisiana Farm Bureau Auto Insurance
Sources

About Louisiana Farm Bureau

Louisiana Farm Bureau is part of a broader Farm Bureau system that began as an agricultural organization and expanded into insurance services. Louisiana Farm Bureau says membership in a local parish Farm Bureau is a requirement for its insurance, and you have to keep that membership to keep your coverage. The company’s insurance pages do not give the cost of membership, so ask your agent what it is in your parish.

Louisiana Farm Bureau does business through local agents, and the Louisiana Farm Bureau Federation has a statewide presence through parish organizations. In practice, most customers work with a nearby agent for quoting, policy service, and claims support.

Louisiana Farm Bureau is headquartered in Baton Rouge.

Louisiana Farm Bureau Contact Information
Customer Service	1-855-325-6697
Claims (24/7)	1-866-275-7322
Mailing Address	See the Contact Us page at lafarmbureau.com for where to write
Website URL	https://www.lafarmbureau.com/

Louisiana Farm Bureau Insurance Products & Services

Louisiana Farm Bureau offers multiple personal insurance lines, with auto insurance as the most common starting point for many members.

Product	What It Covers	Notes
Auto Insurance	Personal auto coverage, plus options for specialty vehicles and recreational use.	Common add-ons can include ATV insurance, motorcycle insurance, camping trailer insurance, and RV insurance, depending on eligibility and underwriting.
Home Insurance	Coverage for homeowners, renters, and certain property types like condos and townhomes.	Home-related discounts may apply (learn how homeowners can get auto insurance discounts and how a renters + auto bundle can work).
Life Insurance	Life insurance is commonly offered through Farm Bureau’s affiliated life company network.	Availability and underwriting vary by product and applicant.
Boat Insurance	Coverage for boats, motors, and trailers.	Ask what limits apply to accessories and equipment.
Flood Insurance	Flood coverage is separate from most homeowners policies.	For vehicles, flood damage is typically addressed through comprehensive coverage; see how car insurance handles flood damage.
Umbrella Insurance	Extra liability protection above your auto and home limits. We could not confirm an umbrella policy from anything Louisiana Farm Bureau publishes, so ask your agent.	Here’s what personal umbrella insurance is designed to do.
Banking Services	Listed with life insurance among Louisiana Farm Bureau’s financial products.	Services vary by agent licensing and availability.

How Does Louisiana Farm Bureau Auto Insurance Work?

Louisiana Farm Bureau offers personal auto policies that can meet state minimum requirements or be customized with higher limits and optional protections. Louisiana drivers often shop aggressively because car insurance is expensive in Louisiana, and the best way to evaluate any quote is to compare identical limits and deductibles across multiple insurers.

Louisiana requires at least 15/30/25 in liability coverage: $15,000 for injuries to one person, $30,000 for injuries per accident and $25,000 for property damage. Louisiana Farm Bureau says its limits can go as high as 300/500/100, and its policies also carry required Medical Payments coverage that affects price and benefits.

Auto Insurance Coverages Available Through Louisiana Farm Bureau

Coverage	What It Pays For	Why It Matters
Liability Insurance	Injuries and property damage you cause to others, up to your limits.	Required to drive legally and a major factor in financial protection after a serious accident.
Medical Payments Coverage	Medical expenses after an accident, regardless of fault.	Louisiana Farm Bureau states that Medical Payments coverage is required on its auto policies, even though the state does not mandate it. It pays $5,000 per person and $25,000 per accident, and the amount can’t be raised. If you already have health coverage, read whether MedPay is still useful with health insurance.
Collision Coverage	Repairs to your vehicle after a crash, subject to your deductible.	Often required for financed/leased vehicles and helpful for newer cars.
Comprehensive Coverage	Non-collision losses like theft, hail, vandalism, glass damage, and animal impacts, subject to your deductible.	Important in weather-prone regions and for theft exposure.
Rental Car Coverage	Helps pay for a rental while your vehicle is being repaired after a covered loss (policy terms apply).	Louisiana Farm Bureau notes rental reimbursement is included when you carry collision or comprehensive coverage.
Roadside Assistance	Towing and certain on-road help (jump starts, lockouts, fuel delivery, tire service).	Louisiana Farm Bureau offers Farm Bureau roadside assistance coverage: up to $75 for towing, jump starts, flat tire service, fuel delivery (up to two gallons) and lockouts when the vehicle carries collision coverage.
Uninsured and Underinsured Motorist Coverage	Protection if the at-fault driver has no insurance or not enough insurance.	Often recommended in markets where uninsured driving is a concern.

Quick tip: Ask your agent to re-quote using the same liability limits and the same collision/comprehensive deductibles you have now. This avoids “cheap quotes” that look lower only because coverage is lower.

What Makes Louisiana Farm Bureau Unique?

Louisiana Farm Bureau competes with national carriers, regional insurers, and direct-to-consumer brands. Its appeal usually comes down to local service and a coverage package designed around Louisiana risks.

Local agent network: Many drivers prefer working with a local insurance agent for coverage decisions, policy changes, and claims questions.
MOBILE agent app: Louisiana Farm Bureau offers the MOBILE agent app to view policies, report claims, contact an agent, and request roadside assistance.
Flood awareness: Flood risk is a practical reality in many parishes, so it’s common to pair adequate auto comprehensive coverage with separate flood protection for property when appropriate.
Membership required: Louisiana Farm Bureau says you must be, and stay, a member of a local parish Farm Bureau to buy and keep its insurance.

Louisiana Farm Bureau Auto Insurance Discounts

Discounts vary by driver, vehicle, parish, and underwriting rules. Louisiana Farm Bureau’s auto page names no premium discounts, and its home page mentions “a variety of discounts” without listing them. The one program it does describe is DriveDown, shown below. The best approach is to ask for a quote that shows which discounts were applied and what documentation is required to keep them.

Discount or Program	How It Typically Works	What to Verify
DriveDown Deductible Rewards	A program that rewards safe driving by reducing deductibles over time (separate from premium discounts).	Whether enrollment is optional, how rewards accumulate, and how rewards apply when more than one driver uses a vehicle.

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

Online reviews can be mixed for any insurer, so it helps to focus on the information that impacts claims reliability and dispute resolution: financial strength signals and complaint resources.

Financial strength: AM Best upgraded Louisiana Farm Bureau Insurance Company’s financial strength rating to A (Excellent) from B++ (Good) on April 23, 2026, with a stable outlook. The upgrade followed the company’s conversion from a mutual to a stock company on April 1, 2026, when it became a wholly owned subsidiary of Southern Farm Bureau Casualty Insurance Company, which now takes on all of its premiums, losses and expenses under a reinsurance agreement. Because Farm Bureau organizations can write coverage through different underwriting companies, check the company name on your declarations page and then confirm its current rating status with AM Best. That grade measures the insurer’s ability to pay claims, and it is a separate thing from our score at the top of this page.

Complaints and disputes: If you can’t resolve a billing or claims issue with the insurer, Louisiana consumers can file a complaint with the Louisiana Department of Insurance.

Final Word on Louisiana Farm Bureau

Louisiana Farm Bureau is a Baton Rouge-based insurer, now owned by Southern Farm Bureau Casualty, that sells only to members of a parish Farm Bureau and emphasizes local agents. It may be a good choice if you value agent support, want bundling options, and don’t mind joining a Farm Bureau as part of the purchase.

Before switching, compare quotes using identical limits and deductibles, confirm required coverages (like Medical Payments), and ask your agent to list every discount and program included in your price.

My advice is to get the yearly membership dues in writing and add them to the premium before you compare Louisiana Farm Bureau with anyone else. Its quote already includes the required $5,000 MedPay, so put the same MedPay on the other quotes, and ask which company will actually write your policy so you can look up its current AM Best rating.

To learn more or request a quote, visit Louisiana Farm Bureau online at LAFarmBureau.com.

FAQs About Louisiana Farm Bureau Auto Insurance

Do I Have to Be a Farm Bureau Member to Buy Louisiana Farm Bureau Car Insurance?

Yes. Louisiana Farm Bureau says membership in a local parish Farm Bureau is a requirement for its insurance, and you have to keep that membership to keep your coverage. Ask your agent what membership costs in your parish.

What Are Louisiana’s Minimum Auto Insurance Limits?

Louisiana requires at least 15/30/25 in liability coverage, meaning $15,000 per person and $30,000 per accident for injuries, plus $25,000 for property damage. That means the policy must include liability coverage at least at those levels, but many drivers choose higher limits for better financial protection.

Does Louisiana Farm Bureau Require Medical Payments Coverage?

Louisiana Farm Bureau states that Medical Payments coverage is required on its auto policies even though the state does not mandate MedPay. It pays $5,000 per person and $25,000 per accident, and that amount can’t be raised. If you are comparing quotes, make sure MedPay is included (or excluded) consistently so pricing is comparable.

Is Rental Reimbursement Included With Collision or Comprehensive?

Louisiana Farm Bureau indicates that rental car coverage is included when you carry collision or comprehensive coverage, subject to policy terms. Ask your agent about daily limits, maximum days, and what qualifies as an inoperable vehicle.

What Is DriveDown and Does It Lower My Premium?

DriveDown is a deductible rewards program that can reduce your deductible based on safe driving behavior. It’s different from a premium discount, so confirm whether it affects your deductible, your premium, or both—and how rewards apply when multiple drivers use the same vehicle.

What Discounts Are Common With Louisiana Farm Bureau Auto Insurance?

Louisiana Farm Bureau does not list its auto discounts by name; its home page mentions “a variety of discounts.” DriveDown, the one program it names, lowers your deductible rather than your premium. Eligibility varies, so ask for a quote that lists each discount applied and what documentation is required to keep it.

Where Can I File a Complaint If I Can’t Resolve a Claim Issue?

Start by escalating with your agent or the insurer and keep written notes. If the issue is not resolved, Louisiana consumers can file a complaint with the Louisiana Department of Insurance (LDI), which will request information and review the matter.

Sources

Checked October 15, 2026

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