Is Oklahoma Farm Bureau Good for Car Insurance?

Last Updated on May 18, 2022

Oklahoma Farm Bureau serves all 77 counties in Oklahoma.

Based in Oklahoma City, Oklahoma Farm Bureau provides auto insurance, homeowners insurance, harm and ranch coverage, financial services, and more.

Is Oklahoma Farm Bureau good for car insurance? Should you buy auto insurance through Oklahoma Farm Bureau? Find out everything you need to know about Oklahoma Farm Bureau today in our review.

Table of Contents:

About Oklahoma Farm Bureau

Oklahoma Farm Bureau is an Oklahoma City agricultural organization and insurance company. The organization was founded in 1942 by Oklahoma farmers and ranchers to advance their collective interests.

In 1946, Oklahoma Farm Bureau realized that many Oklahoma farmers and ranchers struggled to find affordable insurance. The organization launched the Oklahoma Farm Bureau Mutual Casualty Company to sell homeowners insurance, farm and ranch insurance, and auto insurance across the state. The two companies have been merged since 1949.

In addition to selling car insurance, Oklahoma Farm Bureau supports agricultural initiatives across the state. The company takes part in OYE, FFA, 4-H, and other organizations every year. Like other Farm Bureau organizations in other states, the goal is to advance the needs of farmers and ranchers across the state.

Today, Oklahoma Farm Bureau continues to offer insurance and financial services across the state of Oklahoma. Oklahoma Farm Bureau serves all 77 counties in the state. As long as you pay your annual membership fee with Oklahoma Farm Bureau, you can access insurance and other products through the company. Although Oklahoma Farm Bureau is popular with farmers and ranchers, membership is open to anyone in the state.

Oklahoma Farm Bureau Company Info
Address2501 N Stiles Ave
Oklahoma City, OK 73105
Phone Number1-405-523-2300
Website URL

Oklahoma Farm Bureau Products & Services

Oklahoma Farm Bureau offers auto insurance, home insurance, roadside assistance, life insurance, financial services, and other products and services.

Some of the products and services available through Oklahoma Farm Bureau include:

Auto Insurance: Oklahoma Farm Bureau offers auto insurance to drivers across the state. You can buy car insurance for ordinary vehicles, farm vehicles, and more through Oklahoma Farm Bureau.

Home Insurance: Oklahoma Farm Bureau sells homeowners insurance, renters insurance, personal property protection, and other types of home insurance coverage.

Recreational Vehicle Insurance: You can insure recreational vehicles with Oklahoma Farm Bureau, including ATVs, side-by-sides, RVs, boats, motorcycles, motorhomes, off-road vehicles, and other alternative vehicles.

Farm & Ranch Insurance: Protect your farm and ranch with Oklahoma Farm Bureau’s farm and ranch insurance. The company specializes in selling a range of insurance products to farmers and ranchers across the state. You can buy unique coverages like farm auto, farm use truck-tractor, farm implement, farm renters, new farm under construction, 4H & FFA, farm fire, farm liability, farm and ranch umbrella, and crop coverage through Oklahoma Farm Bureau.

Life Insurance: Oklahoma Farm Bureau offers life insurance to meet all needs, budgets, and lifestyles. You can buy term life, whole life, and universal life insurance policies through Oklahoma Farm Bureau.

Financial Services: Oklahoma Farm Bureau offers financial services to all members, including banking services, investment products, annuities, mutual funds, college funds, estate planning, and retirement funding, among other services.

How Does Oklahoma Farm Bureau Auto Insurance Work?

Oklahoma Farm Bureau offers similar car insurance to other companies in Oklahoma. You can buy car insurance for a farm or ranch vehicle, a standard road vehicle, and all other types of vehicles.

Auto insurance coverage options available through Oklahoma Farm Bureau include:

Liability Insurance: Oklahoma requires drivers to carry a minimum of $25,000 of bodily injury liability per person, $50,000 of bodily injury liability coverage per accident, and $25,000 of property damage liability coverage. Insurance companies express this as a 25/50/25 policy. You can buy insurance through Oklahoma Farm Bureau that meets or exceeds these minimum requirements.

Uninsured and Underinsured Motorist Coverage: Oklahoma has relatively high rates of uninsured drivers. Many drivers choose to carry uninsured or underinsured motorist coverage for added protection. If you are injured by a driver without car insurance or a driver with too little car insurance, then your insurer will cover your medical bills.

Medical Payments Coverage: Oklahoma Farm Bureau offers medical payments coverage to cover injury, death, and similar expenses that occur to you or others, regardless of fault.

Collision Coverage: Optional in Oklahoma and all other states, collision coverage pays for damage to your car caused by a collision with another car or object.

Comprehensive Coverage: Also optional in all states, comprehensive coverage pays for damage to your car by incidents outside of a collision, including hail damage, storm damage, theft, vandalism, fire damage, and more.

Additional Transportation Expense Coverage: Also called rental car reimbursement coverage, this covers the cost of renting a vehicle if your main vehicle is in the shop for repairs after a covered incident.

Roadside Assistance: Roadside assistance pays for certain costs associated with towing, fuel delivery, battery jumpstarts, flat tire changes, and similar incidents.

What Makes Oklahoma Farm Bureau Unique?

Oklahoma drivers have plenty of options for car insurance. Why pick Oklahoma Farm Bureau? What makes Oklahoma Farm Bureau one of the most popular insurers in the state? Here are some of the advantages emphasized by the company:

Support for Farmers and Ranchers: Since launching in 1945, Oklahoma Farm Bureau has continued to support farmers and ranchers across the state. The organization continues to support 4H and similar initiatives in Oklahoma.

Local Service: If you like the idea of doing business with a local, Oklahoma-based company, then Oklahoma Farm Bureau is one of your best options. The Oklahoma City-based company only serves drivers in Oklahoma, and that hasn’t changed since the organization launched in 1945.

Farm and Ranch Coverage: Farmers and ranchers have different insurance needs than others. Some insurance companies have poor pricing for farm insurance vehicles, for example. Oklahoma Farm Bureau understands the unique needs of Oklahoma farmers and ranchers better than anyone. You can find specialized insurance options like farm and ranch coverage and farm vehicle auto insurance policies, among other unique options.

Oklahoma Farm Bureau Auto Insurance Discounts

Oklahoma Farm Bureau offers similar discounts to other car insurance companies. The company also offers several unique discounts.

Car insurance discounts available through Oklahoma Farm Bureau include:

Scholastic Discount: Called a “scholastic discount” by Oklahoma Farm Bureau, this discount applies to full-time students who meet certain academic requirements. Typically, you need to be a full-time student under age 25 with a grade average of B or better to qualify.

Driver Longevity Credit: If you have had insurance with OKFB for at least one year, then you could receive premium credit based on your longevity and driving record. It’s a type of loyalty discount.

Defensive Driving Discount: Drivers who complete a defensive driving course with a minimum of six hours of instruction time could qualify for a discount. The course must be approved by the Oklahoma Department of Public Safety. You can find approved courses through your local Oklahoma Farm Bureau office.

Multi-Vehicle Discount: If you insure multiple vehicles with OKFB, then you get a discount across all vehicles

Companion Discounts: If you have other policies through OKFB, then you can bundle those policies together to save money.

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

Oklahoma Farm Bureau is well-rated by drivers across Oklahoma. The company is one of the largest and best-rated insurance companies in the state. If you want to buy car insurance through an Oklahoma-based insurer, then Oklahoma Farm Bureau is your biggest option.

OKFB has an A+ rating from the Better Business Bureau (BBB).

Oklahoma Farm Bureau has a 3.6-star rating on WalletHub on 20+ customer reviews. The company also has a 3.68-star rating out of 5 from Clearsurance based on 20+ customer reviews.

Oklahoma Farm Bureau is not large enough to be rated by J.D. Power or similar nationwide ratings organizations. However, the company is rated by A.M. Best for its financial strength. A.M. Best has given the organization a B++ (Good) rating based on its financial strength. That may seem like a good rating, but it’s lower than most other insurance companies. Oklahoma Farm Bureau has improved its financial strength rating in recent years, rising from a B rating in 2016 to a B+ rating in 2017 then to a B++ rating today.

Final Word on Oklahoma Farm Bureau

Oklahoma Farm Bureau is an Oklahoma City-based insurance company offering car insurance, homeowners insurance, farm and ranch insurance, and financial services to drivers in all 77 counties across Oklahoma.

As one of the largest and best-rated car insurance companies in Oklahoma, Oklahoma Farm Bureau could be a good option for car insurance. To learn more or request a quote today, visit the company online at

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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