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Kentucky Farm Bureau Insurance

Considering a Kentucky Farm Bureau insurance policy? Read our review to see if it’s your best option for auto insurance in the Bluegrass State.

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09/09/2023 04:28 PM

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With a strong reputation and an extensive local footprint, it’s easy to see why Kentucky Farm Bureau insurance is so popular in the Bluegrass State. While supporting a hometown provider seems like a sensible move, it’s also worth ensuring that the company provides worthy insurance products and reliable coverage.

After reviewing the country’s best car insurance companies, we found out exactly how Kentucky Farm Bureau insurance compares.

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Kentucky Farm Bureau Insurance Review

We rate Kentucky Farm Bureau insurance at 3.5 stars out of 5.0 overall. It’s a reliable company that is financially capable of paying out claims. It also scores high for the region in the J.D. Power Auto Insurance Study. However, the company’s customer reviews are fairly middle of the road, and there are other Kentucky auto insurance options that offer more affordable rates on average in the state.

Reviews Category Rating Score
Cost 3.5
Coverage 4.0
Reliability 4.0
Service 3.5
Overall Rating 3.5

About Kentucky Farm Bureau Insurance

Founded: 1919
Parent company: Kentucky Farm Bureau Mutual Insurance Company
States available: Kentucky
AM Best financial strength rating: A
Insurance types: Auto, motorcycle, homeowners, renters, mobile home, farm, health, umbrella, life

Since 1919, Kentucky Farm Bureau insurance agents have been covering farm families and other customers across the Bluegrass State. The Louisville-based company, which sometimes goes by KFB or KYFB, enjoys a strong reputation across Kentucky as an upstanding small business with various locations spread across all 120 counties.

Kentucky Farm Bureau Insurance Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 1

Kentucky Farm Bureau insurance receives mixed reviews overall. While the provider is fully accredited by the BBB and holds an A+ rating, it receives an average 3.6-star rating from customers on Google Reviews.

With a rating of A for financial strength from AM Best, Kentucky Farm Bureau insurance customers can feel confident that the insurer is financially secure. The company has a solid bottom line and is able to reliably pay out claims. At the same time, Kentucky Farm Bureau insurance placed third in the Southeast region in the J.D. Power 2021 U.S. Auto Insurance StudySM. Customer service standards seem to vary widely between locations, as seen in the customer reviews below.

“Very friendly and helpful. They saved me 25 percent off what I was paying.”
– David W. via Google Reviews

“The first time I had a claim was the first time I realized how Kentucky Farm Bureau manages to offer its low rate–by having very little service available.”
– Tom C. via Google Reviews

Kentucky Farm Bureau Car Insurance Cost

According to our rate estimates, the average cost for full coverage Kentucky Farm Bureau car insurance is $1,663 per year. This is slightly lower than the state average of $1,843 per year.

It’s important to note that only dues-paying members of the Kentucky Farm Bureau can get insured by the company. If you’re not already a member, you’ll have to tack on somewhere between $20 and $50 per year to gain access to a Kentucky Farm Bureau insurance policy.

No matter which car insurance provider you choose, there are a number of factors that affect how much car insurance is, including:

  • Location: Those in Louisville, Lexington, and Northern Kentucky can expect to pay much higher rates than the state’s rural residents.
  • Age and gender: Younger men pay steep prices for car insurance, though rates start to decline as drivers reach their mid-twenties.
  • Marital status: Married motorists have fewer accidents than single drivers, so they generally pay lower prices.
  • Credit score: Those with low credit scores usually have high auto insurance premiums.
  • Driving history: If you have car accidents or DUIs on your record, expect to pay much higher car insurance premiums.
  • Vehicle type: Those with newer vehicles, cars often targeted by thieves, or models with below-average safety ratings pay increased rates.

Kentucky Farm Bureau Car Insurance Discounts

Kentucky Farm Bureau offers an array of discounts that can save members a considerable amount. Before signing up for a policy, make sure that you’ve taken advantage of the savings opportunities below.

Good Student Discount Lowered rates for students with strong academic performance
Driver’s Training Discount Discounts for young motorists who take courses on safe driving practices
Safe Driver Discount Rewards those who go three, five, and eight years without an accident or claim
Senior Operator Accident Prevention Benefits drivers over the age of 55 who take a driver’s training course
Military Defensive Driving Course Lowers prices for military members who take defensive driving courses
Auto Safety Devices Discount Helps those whose cars have anti-lock brakes, anti-theft devices, or passive restraints save money
Multi-Vehicle Discount Discounts on plans with more than one car
Active Property Discount Reduces rates for those who bundle Kentucky Farm Bureau auto and home insurance policies
School Bus Driver Discount Discounts for certified school bus drivers
Umbrella Discount Rewards those with both an auto and umbrella insurance policy through the group

While Kentucky Farm Bureau insurance isn’t necessarily the Bluegrass State’s cheapest car insurance provider for every driver, customers who take advantage of the company’s discounts may find significant savings.

Kentucky Farm Bureau Car Insurance Coverage

Kentucky Farm Bureau offers a variety of auto insurance coverage options. By law, every Kentucky driver must carry basic liability coverage and personal injury protection, but it’s recommended that you carry more than the state’s minimum requirements.

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.
Roadside Assistance Roadside assistance ensures that your car will get fixed if it breaks down mid-trip.
Towing Coverage Towing coverage takes care of the costs of having your car towed after a breakdown.
Rental Car Reimbursement Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.

If you’re looking for guaranteed asset protection, also known as gap insurance, you’ll need to look elsewhere. This coverage, which pays the difference between your loans and your car’s depreciated value if it gets totaled, isn’t offered by the company.

Kentucky Farm Bureau Home Insurance Coverage

Kentucky Farm Bureau doesn’t just offer car insurance and has many home insurance options as well. Below we highlight their standard homeowners coverage available:

  • Property Coverage: This includes dwelling, other structures, personal liability, and loss of use home insurance
  • Liability Coverage: Bodily Injury, medical payments, and property damage are offered

They also have many optional homeowners plan coverages including personal property replacement, identity fraud, home daycare, earthquake insurance, and more. They also have many personal possessions and additional home coverage which include but are not limited to firearms, jewelry, fine arts, postage stamps, money, and golfing equipment.

Kentucky Farm Bureau Insurance Mobile App

The Kentucky Farm Bureau insurance app lets customers access their account, pay their bills, and find member benefit details straight from their phones. Unfortunately, many customer reviews mention the app crashing frequently and lacking expected features.

On Google Play, the Kentucky Farm Bureau insurance app received a solid 3.6 stars out of 5.0 from more than 70 customer reviews. The numbers are less impressive on the App Store, where the app receives an average score of 2.0 out of 5.0.

Kentucky Farm Bureau Mutual Insurance Company: Conclusion

We rate Kentucky Farm Bureau Mutual Insurance company 3.5 out of 5.0 stars. While the company offers great insurance options to those living in Kentucky, overall its services and reception are mediocre. It has a good reputation with the BBB and AM best and has shown that it is a stable provider. However, its rates are not the best you can get in the state of Kentucky so we recommend you shop around and compare options before deciding on a provider.

Kentucky Farm Bureau Insurance Competitors: Top Picks

Many car insurance providers offer Kentuckians strong customer service at low average rates compared to Kentucky Farm Bureau insurance. We recommend getting several car insurance quotes to compare your cost and coverage options.

State Farm: Best For Student Drivers

As the largest auto insurer in the United States, State Farm has a breadth of experience in offering excellent rates at competitive prices. The company holds an A++ rating from AM Best for financial strength too, so your coverage is safe with State Farm.

Not every company can match the number of available discounts through Kentucky Farm Bureau, but State Farm can. A few of the company’s offerings include:

  • Good driving discount
  • Accident-free discount
  • Defensive driving discount
  • Driver training discount
  • Good student discount
  • Safe vehicle discount
  • Student away at school discount

With State Farm, you’ll receive standout rates for leading insurance coverage. We named the company the Best For Student Drivers in our State Farm insurance review, but it can be a smart choice for many Kentucky motorists.

USAA: Best For Military Members

If you’re in a military family, USAA is a great option for car insurance in Kentucky. The company has long been regarded as one of the most impressive in the insurance industry for both pricing and customer service, and it holds an A++ rating for financial health from AM Best.

The biggest downside to the provider is that coverage is only available to active-duty military members, veterans, and their families. If you fit into one of these categories, though, you’ll likely find top-tier service standards and below-average rates from USAA.

You can learn more about the provider in our USAA insurance review.

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Kentucky Farm Bureau Insurance Company: FAQ

How do I join the Kentucky Farm Bureau?

To join the Kentucky Farm Bureau, you can sign up online or in one of the group’s offices. Locations can be found in all of Kentucky’s 120 counties.

Does the Kentucky Farm Bureau give discounts?

Kentucky Farm Bureau insurance discounts can greatly reduce customers’ rates. There are countless opportunities to save, from driver’s training discounts to reduced rates for auto safety devices.

What are the benefits of Farm Bureau membership?

Farm Bureau membership comes with benefits such as reduced rates at select stores and the ease of having agents in your own community. In some cases, Farm Bureau members receive lower insurance rates than if they had chosen a different provider.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.