Is Virginia Farm Bureau Good for Auto Insurance?

Last Updated on December 10, 2020

Virginia Farm Bureau is an insurance company that covers thousands of policyholders across the state of Virginia.

Originally founded to serve farmers, Virginia Farm Bureau now serves drivers in rural and urban areas of the state, although the company continues to have a strong presence in rural areas.

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

Table of Contents:

About Virginia Farm Bureau

Virginia Farm Bureau is a membership-based insurance company. You pay an annual fee to join Virginia Farm Bureau. Members enjoy a range of perks – including the opportunity to buy car insurance through Virginia Farm Bureau and the Farm Bureau Insurance network.

Overall, Virginia Farm Bureau is similar to the Farm Bureau Insurance providers in other states. Like North Carolina Farm Bureau, Virginia Farm Bureau originally catered to farmers and those in rural areas of the state. Today, Virginia Farm Bureau insures everyone, offering a range of insurance policies, products, services, and discounts.

Farm Bureau Insurance members can buy car insurance through one of several companies. Some states have their own dedicated Farm Bureau Insurance division – like Virginia Farm Bureau. Other states are served by Farm Bureau Insurance’s nationwide division.

Although Virginia Farm Bureau is part of the Farm Bureau Insurance network, it’s a separate company with its own unique insurance products and policies.

How Does Virginia Farm Bureau Car Insurance Work?

Virginia Farm Bureau’s car insurance works similar to the car insurance provided by other Virginia insurance companies.

Virginia Farm Bureau provides basic minimum liability coverage, full coverage, and all other types of insurance coverage. You can buy bare minimum policies through Virginia Farm Bureau at a discounted rate. Or, you can buy full coverage car insurance for added protection.

Generally, Virginia Farm Bureau’s car insurance is among the cheapest in the state. In most states, Farm Bureau Insurance is one of the cheapest options – even when including the annual membership fee. Prices are particularly competitive in Virginia, where the company offers similar insurance products to its larger competitors at a discounted rate.

Car insurance policies available through Virginia Farm Bureau include:

Bodily Injury Liability Coverage: This insurance covers damage to other people from an accident you cause, including medical bills, lost wages, and other expenses incurred as a result of your actions. It’s required in Virginia.

Property Damage Liability Coverage: Property damage liability coverage covers the cost of repairing or replacing a vehicle after an accident that you cause.

Collision Coverage: Collision coverage is optional in Virginia. It covers the cost of repairing your own vehicle after an accident.

Comprehensive Coverage: Comprehensive coverage is also optional in Virginia. It covers the cost of repairing your own vehicle after vandalism, theft, and other non-accident-related damages.

What Makes Virginia Farm Bureau Unique?

All car insurance companies in Virginia claim to cover your vehicle at a reasonable rate, providing effective car insurance coverage and good claims satisfaction.

However, here are some of the things that make Virginia Farm Bureau unique compared to other providers:

Smart Start Teen Driver Education Program: Virginia Farm Bureau’s Smart Start Teen Driver Education program teaches teenagers good driving habits from a young age.

Supporting Virginia Agriculture: Like other Farm Bureau Insurance companies, Virginia Farm Bureau is a membership-based organization that supports various agricultural initiatives across the state. By buying car insurance with Virginia Farm Bureau, you’re supporting a range of Virginia agricultural initiatives.

Personalized, Local Service: Virginia Farm Bureau agents live and work in the communities they serve. Your interactions with Virginia Farm Bureau will be through your local insurance agent, including all claims.

Membership Deals & Savings: As mentioned below, Virginia Farm Bureau insurance members get discounts on theme parks, farm equipment, and other items.

Virginia Farm Bureau Auto Insurance Discounts & Features

Virginia Farm Bureau offers a range of unique car insurance products, services, discounts, and features, including:

Auto Loan/Lease Payoff Coverage: Virginia Farm Bureau lets you add auto loan/lease payoff coverage to your policy. If your new car is a total loss, then Virginia Farm Bureau will cover the full value of the loan or lease – not just the actual cash value of the totaled vehicle.

Roadside Assistance: Add roadside assistance to your policy to cover fuel delivery, towing, and more. For a few extra dollars per month, you get 24/7 roadside assistance through the Virginia Farm Bureau network.

Rideshare Coverage: Virginia Farm Bureau offers something called Transportation Network Coverage (TNC) that fills the gaps in insurance from rideshare companies like Uber or Lyft. If you work for a rideshare company in Virginia, then Virginia Farm Bureau is one insurance option.

New Vehicle Replacement Coverage: Virginia Farm Bureau will replace a new vehicle in certain situations. If you add new vehicle replacement coverage to your policy, and your new vehicle is a total loss within the first few years of ownership, then you could receive a new vehicle through Virginia Farm Bureau.

Accident Forgiveness: Virginia Farm Bureau lets you add accident forgiveness to your policy, letting you negate the consequences of one accident every 3 to 7 years.

Pet Coverage: Virginia Farm Bureau has pet coverage for drivers. You can add pet coverage to your policy to cover vet bills and similar costs if your pet is in the vehicle during an accident.

Customized Equipment Coverage: Virginia Farm Bureau can cover aftermarket add-ons to your vehicle, including stereos, custom seats, special furnishing, wheelchair lifts, and interior customizations, among other options.

Virginia Farm Bureau Perks and Benefits

Virginia Farm Bureau offers a unique range of discounts and perks to members. As a member of the Farm Bureau Insurance network, you receive discounts on everything from theme park tickets to farm equipment.

Available perks and discounts with Virginia Farm Bureau include:

Hotel Stays: Receive 20% discounts when staying at Choice Hotels, Wyndham hotels, and other chains.

Rental Cars: Receive discounts on rental cars from Budget, Avis, Enterprise, and Hertz, depending on your state.

Prescription Drugs: Virginia Farm Bureau offers discounts as high as 75% on prescription drugs by sending you a special discount card.

Theme Park Tickets: Receive discounts on theme park tickets through the Farm Bureau Insurance network. The company partners with local and national theme parks to provide discounted admissions tickets.

Farm Equipment: Get a discount on leading brands of farm equipment as a member of Virginia Farm Bureau.

Virginia Farm Bureau Reviews & Ratings

Virginia Farm Bureau is generally well-rated by drivers across Virginia. Most drivers agree the company provides competitive prices on car insurance while maintaining good claims satisfaction and customer service.

Just like with any insurance company, Virginia Farm Bureau has plenty of complaints online. Even the largest insurance companies have poor overall online ratings: most people don’t bother reviewing their insurance company until they have problems with a claim. This skews ratings negatively.

Virginia Farm Bureau has an A+ rating with the Better Business Bureau, which lists just 4 complaints against the company in the last 3 years. Those complaints were related to advertising/sales, billing/collections, or problems with a product or service.

Independent review websites are generally positive towards Virginia Farm Bureau. Websites like Wallethub awarded the company 4.1 stars out of 5 based on 50+ reviews across the internet, for example. That’s considered a strong rating.

In March 2020, A.M. Best upgraded the financial strength rating (FSR) or Virginia Farm Bureau to A (Excellent) from A- (Excellent). A.M. Best is the leading financial strength analysis organization in the car insurance industry, and the company analyzes liabilities and assets to determine each company’s ability to cover policyholders. A rating of A (Excellent) is strong, although some of the top insurance companies have A+ (Excellent) or better ratings.

Final Word on Virginia Farm Bureau Auto Insurance

Overall, Virginia Farm Bureau has good ratings from policyholders across Virginia. Most policyholders agree the company offers good customer service and claims satisfaction while charging surprisingly affordable prices.

To learn more about Virginia Farm Bureau or to request a quote today, visit the company online at VAFB.com.

Virginia Farm Bureau
Company Address12580 W Creek Pkwy
Richmond, VA 23238
Phone Number1-804-290-1000
Website URLhttps://www.vafb.com/
James Shaffer
James Shaffer James Shaffer is a writer for InsurancePanda.com 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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