Georgia Farm Bureau Auto Insurance Review (2024)

If you live in Georgia and are looking for the best car insurance companies in the area, you may want to consider Georgia Farm Bureau. Georgia Farm Bureau car insurance coverage is available for a competitive rate, but policyholders must be Farm Bureau members to qualify for coverage.

Fortunately, Farm Bureau members enjoy various coverages and exceptionally low insurance rates, as Georgia Farm Bureau offers some of the cheapest insurance prices in the state. Unfortunately, Georgia Farm Bureau only offers coverage in Georgia.

What You Should Know About Georgia Farm Bureau Insurance

Georgia Farm Bureau is part of the Georgia Farm Bureau Federation. The company was created in 1958 as a way for farmers and rural families to get better insurance options.

Today, Georgia Farm Bureau offers coverage to anyone with a Farm Bureau membership. You must pay $35 a year to join the Farm Bureau, but you may be able to get cheap car insurance rates, homeowners insurance, and other benefits from joining.

Do customers like Georgia Farm Bureau auto insurance?

According to the National Association of Insurance Commissioners, Georgia Farm Bureau customer service received fewer complaints than expected for a company of its size. Still, the Georgia Farm Bureau rating for financial strength with A.M. Best is a B++ (good), which is lower than many of its competitors.

Georgia Farm Bureau Insurance Coverage Options

Georgia Farm Bureau offers the following coverages:

• Standard liability coverage
• Uninsured/underinsured motorist coverage
• Collision
• Comprehensive

Policies with Georgia Farm Bureau automatically include roadside assistance.

The company has several offices throughout the state with representatives to help resolve any issues. You can make Georgia Farm Bureau auto insurance claims or Georgia Farm Bureau payments on the company’s website or via the company’s mobile app.

Georgia Farm Bureau Insurance Rates Breakdown

While rates with Georgia Farm Bureau are a bit higher than the national average, they’re among the lowest rates in the state. Take a look at the map below to get an idea of what you can expect with minimum coverage.

If you have a clean driving record, you could pay around $2,031 for a full coverage policy with Georgia Farm Bureau. Compare that with rates in the map below to see how your state compares to the rest of the U.S.

However, if you have a speeding ticket or accident on your record or a teen driver on your policy, expect to pay higher coverage rates.

How does your driving record affect your rates?

Speeding tickets will affect what you would pay for car insurance. You should expect similar rate increases if you are in a car accident and considered to be at fault.

As with speeding tickets and accidents, a DUI will increase what you pay for auto insurance. Some insurers won’t even offer insurance to drivers with a DUI on their record. We’ve put together a graphic to show how each of these violations can affect your monthly car insurance rate.

How does your age and credit score affect your car insurance rates?

Your age plays a significant factor in how much you pay for car insurance. A brand new driver is going to see higher rates because they’re new to the road and have very little experience.

This makes teenage drivers a larger liability to insurance companies, hence the higher rates. Here’s an idea of what you can expect to pay if you’re a teenage driver.

You will see your rates begin to decrease when you turn 25 as long as you keep a clean driving record.

Once drivers are determined to be seniors, they can expect the rates to increase again.

Besides age, driving history, and coverage levels, your credit score can also impart your car insurance rates. Insurers see drivers with poor credit to be of high risk.

With so many factors influencing your insurance rates, it is always recommended that you shop around with multiple insurance companies for quotes.

Georgia Farm Bureau Insurance Discounts Available

Georgia Farm Bureau offers a few options for auto insurance discounts, including:

• Driver training. You can take a certified course and save money on coverage.
• Good student. High school and college students with high GPAs can save on annual coverage.
• Safe driver. You can save money over time by keeping a clean driving record and avoiding at-fault accidents.

Discounts can help you save up to 25% on your car insurance policy, so speak with a Georgia Farm Bureau representative to see if you qualify for coverage discounts.