Is Missouri 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

Missouri Farm Bureau is a common pick for drivers across Missouri who prefer working with a local agent and don’t mind joining an organization to access insurance. The best fit depends on how you like to manage your policy, what discounts you qualify for, and whether you need specialty coverage (like rideshare).

Below is a practical breakdown of Missouri Farm Bureau auto insurance—how it works, what it covers, what stands out, and how to decide if it’s right for you.

Our Rating of Missouri Farm Bureau

A membership-based, Missouri-focused insurer known for local agents and personalized service.

3.8

out of 5

★★★★☆

Checked October 15, 2026 · How we score insurers

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

Local agents Membership-based Missouri-focused

Summary

Bottom line: Missouri Farm Bureau is a solid option for Missouri drivers who want local agent support and don’t mind paying Farm Bureau dues. Farm Bureau Town and Country, one of the two companies that write its auto policies, draws far fewer complaints than expected for its size.

Missouri Farm Bureau sells auto insurance primarily through local agents, and the Missouri Farm Bureau federation presents insurance as a member service ($30 a year in dues). It offers standard auto insurance options, a range of discounts, and add-ons geared toward Missouri drivers, with service and pricing that can vary by agent, driver profile, and coverage choices.

Best for

Drivers who prefer working with a local Missouri-based agent
Households interested in bundling multiple policies
Members who value regional focus over national scale

Not ideal for

Drivers who do not want to maintain a membership
Shoppers seeking a fully digital, online-only experience
Customers needing rideshare coverage for transporting people

Table Of Contents

Our Rating of Missouri Farm Bureau
About Missouri Farm Bureau
How Missouri Farm Bureau Auto Insurance Works
What Makes Missouri Farm Bureau Auto Insurance Stand Out?
Missouri Farm Bureau Auto Insurance Discounts
Missouri Farm Bureau Reviews and Financial Ratings
Is Missouri Farm Bureau a Good Choice for You?
Final Word on Missouri Farm Bureau
FAQs on Missouri Farm Bureau Auto Insurance
Sources

About Missouri Farm Bureau

Missouri Farm Bureau Auto Insurance at a Glance	What to Know
Availability	Primarily for Missouri drivers through local agents and member enrollment
Membership	The Missouri Farm Bureau federation lists insurance among its member services, and dues are $30 a year. Neither the federation nor the insurer says outright that you must join first, so ask the agent
Good for	Drivers who value local service, want bundled options, or prefer agent support during policy changes and claims
Potential drawbacks	Some specialty needs (like rideshare for transporting people) may not be available; online-first features can vary by customer and product

Missouri Farm Bureau is part of a broader network of Farm Bureau organizations and insurance companies across the United States. Several states operate their own Farm Bureau insurance brands, including Texas, North Carolina, Indiana, Georgia, and Virginia.

Farm Bureau organizations have roots in agriculture and rural communities, but Missouri Farm Bureau insurance is not limited to farmers. In practice, coverage is sold to Farm Bureau members across the state, and service is typically delivered through local agents.

Missouri Farm Bureau is based in Jefferson City and promotes an “in every county” local presence through its county office structure and agent network.

Quick tip: Membership requirements vary by Farm Bureau organization. When comparing quotes, ask for the total annual cost including any membership dues.

How Missouri Farm Bureau Auto Insurance Works

Missouri Farm Bureau sells the core types of auto insurance most drivers expect. You can purchase a policy that meets state minimums or choose higher limits and broader protection depending on your budget and risk tolerance.

Many drivers start by deciding whether they want minimum coverage or full coverage with comp and collision (often required by lenders). Your agent can then help set liability limits and deductibles.

Common Coverage Options

Coverage	What It Typically Helps Pay For	When It Matters Most
Bodily injury liability	Injuries you cause to others	You’re at fault and someone else is hurt
Property damage liability	Damage you cause to someone else’s car or property	You hit another vehicle, fence, building, or other property
Collision	Damage to your car from a collision (minus your deductible)	Your car is damaged in a crash, regardless of fault (subject to policy terms)
Comprehensive	Non-collision losses like theft, vandalism, hail, animal strikes (minus deductible)	Your car is damaged or stolen outside of a typical collision
Medical payments (MedPay)	Medical bills for you and passengers after an accident	You want extra medical coverage regardless of fault (coverage varies by policy)
Personal injury protection (PIP)	Medical bills and related expenses in certain no-fault states	Most common in no-fault states; Missouri drivers typically rely more on MedPay and health insurance
Uninsured/underinsured motorist	Injuries (and sometimes other losses) caused by drivers with no insurance or not enough insurance	You’re hit by someone who can’t fully pay for damages

Missouri requires minimum liability coverage of 25/50/25 and also requires uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, according to the Missouri Department of Revenue.

What Makes Missouri Farm Bureau Auto Insurance Stand Out?

Missouri Farm Bureau competes with other Missouri insurers on price and coverage, but many policyholders choose it for agent-based service and optional add-ons that may not be available everywhere.

Notable Programs and Add-Ons

Feature	What It Does	Why It Can Matter
Local agent model	Policies are commonly sold and serviced through agents embedded in local communities	Helpful for drivers who want a person to call for coverage changes and claim guidance
New vehicle replacement coverage	May help replace a newer vehicle rather than paying only actual cash value	Can reduce out-of-pocket cost after a total loss (eligibility varies)
Equipment coverage	Can extend protection for certain installed or special equipment	Useful if you’ve invested in aftermarket stereo/audio or other equipment
Reducing deductible	May lower your deductible after each claim-free year (subject to program terms)	Rewards safe driving and can reduce your cost if you later file a claim
Emergency roadside assistance	Add-on for towing, lockouts, fuel delivery, and similar services	Convenience coverage that can be cheaper than paying per incident
Accidental death benefits	Additional benefit if a covered fatal accident occurs	Less common than it used to be, but still offered by some insurers as an add-on

For drivers who deliver food or goods, Missouri Farm Bureau advertises an option called “delivery driver network coverage” for certain types of delivery work, but the company says it doesn’t include the delivery of people, like Uber or Lyft. It’s meant for part-time delivery of products, goods or food in a personal vehicle.

Missouri Farm Bureau Auto Insurance Discounts

Discount availability and qualification rules vary by policy and driver profile, but Missouri Farm Bureau offers many of the standard ways to save—especially for bundling, good driving, and student eligibility.

Discount Type	Typical Requirement	Where It Helps Most
Multi-vehicle	Insure multiple vehicles in the same household (up to 10%)	Households with two or more cars
Multi-policy (bundling)	Total Account Discount of up to 8.5% when your auto is insured along with a qualifying property policy, such as home, farm, ranch or commercial property	Drivers who want one insurer for multiple needs
Good student	Full-time, unmarried students ages 16 to 24 who qualify by class rank, grade average or academic honors can get a good student discount of up to 20%	Families insuring teen and college drivers
Claims-free / accident-free	Accident-Free Discount of up to 20% after three accident-free years; new customers may start at 10% (see how a claims-free discount works)	Long-term policyholders with fewer incidents
Occupation-based	Missouri Farm Bureau lists an occupational discount for certain occupations and says to ask an agent which ones qualify. For comparison, see how law enforcement-related discounts work at other insurers	Drivers in qualifying professional groups
Preferred driver, passive restraint and hybrid/E85	Preferred driver needs autos and property insured with the company, age 21 or older, no at-fault accidents in 5 years and no violations in 3; passive restraint applies to factory air bags; E85 or hybrid vehicles get up to 5%	Experienced drivers with clean records and owners of newer or hybrid vehicles
Member perks	Farm Bureau membership can include travel and retail savings separate from your premium	Drivers who use member discounts year-round

Missouri Farm Bureau Reviews and Financial Ratings

Customer experience with any insurer can vary by agent and claim scenario. Missouri Farm Bureau’s model is built around local service, which some drivers prefer over a call-center approach—especially when they want help adjusting coverage or understanding claim steps.

Two places to check when evaluating an insurer are complaint handling and financial strength:

BBB profile: When we checked on October 14, 2026, Missouri Farm Bureau’s BBB profile showed an A rating, not BBB accredited, with 23 complaints listed. Look at the profile for the latest complaints and responses.
NAIC complaints: Using NAIC complaint data for 2023 through 2025, we calculate a private passenger auto complaint index of 0.37 for Farm Bureau Town and Country Insurance Company of Missouri alone, based on 10 confirmed complaints. An index of 1.00 is what a company of that size would be expected to draw. New Horizons Insurance Company of Missouri also writes Missouri Farm Bureau auto policies and isn’t counted in that figure, so ask your agent which company would write yours.
A.M. Best: On July 9, 2026, AM Best affirmed the A- (Excellent) financial strength rating of Farm Bureau Town and Country Insurance Company of Missouri and New Horizons Insurance Company of Missouri and moved the outlook to stable from negative. A- is the fourth-highest grade on AM Best’s scale, which runs from A++ down.

Because Missouri Farm Bureau is not among the largest insurers in the United States, it may not appear in every national ranking, which is common for regional carriers.

Is Missouri Farm Bureau a Good Choice for You?

Missouri Farm Bureau can be a strong match if you want an agent relationship, prefer local support, and can access competitive pricing with the discounts you qualify for. It may be a weaker fit if you need specialty commercial or rideshare coverage for transporting passengers, or if you prefer a fully digital self-service experience with a robust national app ecosystem.

The most reliable way to decide is to compare your quote at the same coverage level (liability limits, deductibles, and add-ons) against other insurers, then evaluate customer support options and claim reporting methods.

Final Word on Missouri Farm Bureau

Missouri Farm Bureau is a well-known Missouri insurer with an agent-first service model and a membership structure. If you like working with a local agent and want a policy tailored to typical Missouri driving needs, it’s worth getting a quote—then comparing it side-by-side with similar coverage from other insurers.

To learn more, contact a local agent or visit the company online through the website listed below.

Missouri Farm Bureau
Company Address	701 S. Country Club Drive P.O. Box 658 Jefferson City, Missouri 65102
Phone Number	1-800-922-4632
Website URL	https://www.mofbinsurance.com/

My advice is to add the $30 dues to the yearly premium before you compare Missouri Farm Bureau with anyone else, and ask the agent to run the quote with every discount you might qualify for, especially the accident-free and Total Account discounts. If you drive for Uber or Lyft, get that coverage sorted somewhere else first, because the delivery add-on here doesn’t cover passengers.

FAQs on Missouri Farm Bureau Auto Insurance

Do I have to be a member to get Missouri Farm Bureau auto insurance?

Probably plan on it. The Missouri Farm Bureau federation lists insurance as a member service and charges $30 a year in dues, though neither the federation nor the insurer says outright that membership is required. Ask your agent before you buy.

Does Missouri Farm Bureau offer minimum coverage and full coverage policies?

Yes. You can typically buy a policy that meets Missouri’s minimum requirements or choose higher liability limits and add comprehensive and collision for broader protection. The right choice depends on your budget, vehicle value, and lender requirements.

Can I file a claim online or do I need to call an agent?

You don’t have to go through an agent. Missouri Farm Bureau’s 24/7 claims center is at 1-800-922-4632, and customers can start an auto or property claim online by logging in to their account. Glass claims have their own online tool.

Does Missouri Farm Bureau cover Uber or Lyft driving?

Missouri Farm Bureau advertises coverage options for certain delivery driving, but transporting passengers for rideshare services (like Uber or Lyft) may not be covered. If you drive rideshare, confirm coverage in writing and consider a rideshare endorsement or a different insurer.

What discounts are most common with Missouri Farm Bureau auto insurance?

Common discounts often include multi-vehicle, bundling (multi-policy), good student, and claims-free/accident-free discounts. Eligibility rules vary, so ask your agent for a list based on your household and vehicles.

Is Missouri Farm Bureau financially stable?

AM Best rates Missouri Farm Bureau’s two property and casualty companies A- (Excellent) and moved their outlook to stable on July 9, 2026. Ratings can change, so check the current rating when you shop.

How can I compare Missouri Farm Bureau fairly to other insurers?

Compare quotes using the same liability limits, deductibles, and add-ons. Then review how claims are reported, what exclusions apply to your driving (like delivery or business use), and whether the insurer’s service model matches how you prefer to manage your policy.

Sources

Checked October 15, 2026

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