Is Virginia Farm Bureau Good for Auto Insurance?
Last Updated on January 7, 2026
Virginia Farm Bureau can be a good auto insurance choice for Virginia drivers who want local agent support, common coverage options, and member-only benefits. The tradeoff is that auto insurance is generally available only to Virginia Farm Bureau members, so you’ll want to factor the annual dues into your comparison as you shop in the state of Virginia.
Originally founded to support farmers and rural communities, Virginia Farm Bureau now serves drivers across the state while maintaining a strong presence in smaller towns and rural counties.
Our Rating of Virginia Farm Bureau
4.0
out of 5
★★★★☆
Summary
Bottom line: Virginia Farm Bureau is a strong option for Virginia drivers who want local agent support and don’t mind a membership requirement.
Virginia Farm Bureau operates as a membership-driven insurer with an emphasis on in-state service through local agents. Coverage options are familiar and flexible, and the company can be a good fit for drivers who value personal support and community ties, while shoppers seeking nationwide availability or a fully digital experience may find it limiting.
Best for
- Virginia drivers who prefer working with a local agent
- Households comfortable with a membership-based insurer
- Drivers looking for standard coverage with optional add-ons
Not ideal for
- Drivers outside of Virginia
- Shoppers who want instant, fully online buying
- Those who don’t want to pay annual membership dues
- Our Rating of Virginia Farm Bureau
- About Virginia Farm Bureau
- How Does Virginia Farm Bureau Car Insurance Work?
- What Makes Virginia Farm Bureau Unique?
- Virginia Farm Bureau Auto Insurance Discounts & Features
- Virginia Farm Bureau Perks and Benefits
- Virginia Farm Bureau Reviews & Ratings
- Final Word on Virginia Farm Bureau Auto Insurance
- FAQs on Virginia Farm Bureau Auto Insurance
About Virginia Farm Bureau
Virginia Farm Bureau is a membership-based organization. Membership is open to the public, and insurance products are generally offered as a benefit of membership. According to Virginia Farm Bureau, annual membership dues are $40.
Virginia Farm Bureau is similar in concept to other state Farm Bureau insurers, including North Carolina Farm Bureau. However, each state organization operates its own products, underwriting rules, and policy features, so coverage details can vary.
Virginia Farm Bureau emphasizes local service through a network of agents who live and work in the communities they serve. For many policyholders, that means working with the same office for quotes, policy changes, and claim support.
How Does Virginia Farm Bureau Car Insurance Work?
Virginia Farm Bureau offers the same core categories of auto insurance most drivers shop for—from basic minimum liability coverage to full coverage options and other types of insurance coverage. Your premium still depends on standard underwriting factors (driving history, vehicle, garaging location, coverage limits, deductibles, and eligible discounts).
Virginia has unique rules compared to many states. Drivers should understand the state’s minimum-liability requirements and the alternative options allowed under state law before choosing limits. This overview explains the nuance of whether auto insurance is required in Virginia.
Common Coverages Available Through Virginia Farm Bureau
| Coverage | What It Covers | When It’s Most Useful |
|---|---|---|
| Bodily Injury Liability Coverage | Injuries to others if you cause an accident, including medical costs and related losses | Required in most situations where liability coverage is carried; limits matter in serious accidents |
| Property Damage Liability Coverage | Damage you cause to someone else’s vehicle or property | At-fault crashes involving vehicles, buildings, fences, poles, and other property |
| Collision Coverage | Repairs to your vehicle after a collision loss (subject to deductible) | Financed/leased vehicles or cars with repair costs you don’t want to pay out of pocket |
| Comprehensive Coverage | Non-collision damage (theft, vandalism, weather, falling objects, animal impacts), subject to deductible | Vehicles at risk for theft or weather-related losses, or when you want broader protection |
What Makes Virginia Farm Bureau Unique?
Many insurers offer similar core coverages, so the biggest differences usually come down to the service model, policy features, and member experience. Here are a few areas where Virginia Farm Bureau tends to stand out:
- Local agent approach: Service and support are typically handled through a local office rather than a purely digital experience.
- Teen-driver focus: Virginia Farm Bureau promotes driver education and encourages good driving habits for younger drivers.
- Membership-driven mission: Like other membership-based organizations, Farm Bureau membership supports agriculture and related initiatives across the state.
Virginia Farm Bureau Auto Insurance Discounts & Features
Discount availability varies by driver, vehicle, and underwriting rules, but Virginia Farm Bureau offers several policy features that can be valuable in real-world claims. The examples below highlight common options to ask about when getting a quote.
| Feature or Add-On | What It Helps With | Why It Matters |
|---|---|---|
| Auto Loan/Lease Payoff Coverage | Helps cover the gap between loan/lease balance and vehicle value if the car is a total loss | Can reduce out-of-pocket risk for newer financed or leased vehicles |
| Roadside Assistance | Services like towing and fuel delivery when you’re stranded (policy rules vary) | Useful if you want predictable out-of-pocket costs for common breakdown situations; see Farm Bureau roadside assistance coverage |
| Rideshare Coverage (TNC) | Helps address coverage gaps when driving for Uber or Lyft | Personal auto policies often exclude or limit coverage during app-on periods without an endorsement |
| New Vehicle Replacement Coverage | New-car replacement style protection for qualifying vehicles in certain total-loss situations | Can be valuable if your vehicle is newer and you want stronger protection than standard actual cash value; learn more about new car replacement insurance |
| Accident Forgiveness | May reduce the impact of a qualifying accident on premiums | Usually must be added before a loss and can have eligibility restrictions; see accident forgiveness |
| Pet Injury Coverage | Helps pay vet bills if a pet is injured in a covered accident | Not standard on many policies; learn how pet coverage typically works |
| Customized Equipment Coverage | Coverage for qualifying aftermarket equipment | Important if you’ve invested in upgrades like audio, mobility equipment, or interior modifications; see aftermarket equipment coverage |
Virginia Farm Bureau Perks and Benefits
In addition to insurance, membership may include access to discounts and partner offers. Benefits can change over time and may vary by program, so it’s smart to verify what’s currently available before joining solely for perks.
| Perk Category | Examples | Good To Know |
|---|---|---|
| Hotels and Travel | Member-rate discounts with select hotel partners | Rates can vary by location and dates; compare against standard member/AAA rates |
| Rental Cars | Discounted rental rates with providers like Budget, Avis, Enterprise, and Hertz | Always review rental insurance options separately so you don’t duplicate coverage |
| Member Deals | Discounts on select attractions, retail partners, and services | Perks may be seasonal or limited-time offers |
| Agriculture and Equipment | Discount opportunities tied to farm equipment and agriculture-related programs | Best fit for rural households and members who already use these vendors |
| State-Specific Programs | Some benefits and services can be more relevant in neighboring states, including Pennsylvania | Check eligibility and location rules before relying on a specific program |
Virginia Farm Bureau Reviews & Ratings
Virginia Farm Bureau’s reputation tends to be strongest among drivers who value local service and straightforward policy support. Like any insurer, online reviews often skew negative because many people only leave feedback after a difficult claim or billing issue.
Better Business Bureau (BBB): Virginia Farm Bureau shows an A+ rating on its BBB profile, and the BBB also publishes consumer complaint narratives and resolutions on the company’s complaints page. BBB profile | BBB complaints
Financial strength: In 2020, AM Best upgraded Virginia Farm Bureau Mutual Insurance Company’s Financial Strength Rating to A (Excellent) from A- (Excellent). AM Best ratings focus on an insurer’s ability to meet ongoing policy obligations, which is one factor drivers consider when comparing carriers. AM Best rating announcement | Learn more about A.M. Best ratings
Final Word on Virginia Farm Bureau Auto Insurance
Virginia Farm Bureau can be a good fit for drivers who prefer local agent support, want common coverage options, and don’t mind paying annual membership dues to access Farm Bureau insurance products. The best way to compare value is to request a quote with the same liability limits and deductibles you’re considering elsewhere, then confirm which discounts and add-ons apply to your policy.
To learn more or request a quote, visit Virginia Farm Bureau’s auto insurance page at vafb.com.
| Contact Type | Details |
|---|---|
| Website | https://www.vafb.com/ |
| Main Office Phone | (804) 290-1000 |
| Policy Services / Customer Service (24/7) | (888) 236-7716 |
| Claims (24/7) | (800) 452-7714 |
| Main Office Address | 12580 West Creek Parkway Richmond, VA 23238 |
| Mailing Address | P.O. Box 27552 Richmond, VA 23261 |
