North Carolina Farm Bureau Insurance Reviews

Drivers interested in affordable and flexible car insurance with a local spin should look into quotes from North Carolina Farm Bureau.

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Key Points:

North Carolina Farm Bureau customers pay an average of $1,003 per year or $84 per month for full-coverage car insurance.
To be eligible for coverage from NC Farm Bureau, you must become a Farm Bureau member for $25 per year.
NC Farm Bureau offers other types of insurance, including property and life insurance, making it easy for drivers to bundle policies and save.

With locations in every county, North Carolina Farm Bureau is one of the largest auto insurance companies in the state. The provider offers extensive coverage and reasonable rates, but is that enough to earn your loyalty?

In this review, we’ll take a closer look at North Carolina Farm Bureau car insurance, including the company’s coverage options, rates, and customer reviews. Before you sign on the dotted line for a car insurance policy, you can use the information you find below to compare quotes from the best car insurance companies in the industry.

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North Carolina Farm Bureau Review

Below you’ll find the highlights of working with the North Carolina Farm Bureau, as well as some of the aspects you may want to be aware of.

Pros And Cons Of North Carolina Farm Bureau

Pros

Local agents and customizable coverage
Lower-than-average rates
Overall positive reviews

Cons

Must be a Farm Bureau member
Average performance in industry studies
Most customer reviews highlight claims issues

North Carolina Farm Bureau Rating

Because NC Farm Bureau caters specifically to North Carolina drivers, you’ll see that the company has a low score in our coverage availability category. However, it scores a little higher for customer service, with exceptionally high scores in our coverage category–thanks to its strong coverage options and range of discounts.

See how NC Farm Bureau scored in all of our ratings categories below:

Rating Factor	Rating (Out of 5.0)
Cost	4.0
Coverage	4.6
Reliability	4.4
Availability	3.4
Service	4.1
Technology	4.0
Overall Rating	4.1

*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.

About North Carolina Farm Bureau

Farm Bureau is a nationwide organization built to support local farmers in each state. Although there is a focus on rural families, you do not have to be a farmer to get insurance from Farm Bureau. You must simply pay annual dues to become a member.

You can find a Farm Bureau organization in most states around the country. Founded in 1953, North Carolina Farm Bureau is headquartered in Raleigh, North Carolina.

The company provides standard coverage and add-ons like rental car reimbursement. Many policyholders compliment local agents who are familiar with the region and provide personalized service. The insurer has received overall positive reviews, however some negative reviewers mention a complicated or neglectful claims process.

North Carolina Farm Bureau Insurance Coverage

In some states, Farm Bureau insurance companies have third parties like American National and Alfa underwrite car insurance policies. However, in 19 states, including North Carolina, Farm Bureau writes its own policies. Each Farm Bureau location is owned and operated separately, so available coverage and cost can vary.

North Carolina Farm Bureau provides the following types of auto insurance coverage:

Bodily injury liability
Property damage liability
Collision insurance
Comprehensive insurance
Medical payments
Uninsured/underinsured motorist coverage
Roadside assistance
Rental reimbursement

Additionally, NC Farm Bureau offers home, life, health, and business insurance. You can bundle home and auto insurance or others to save money.

North Carolina Farm Bureau Insurance Cost and Discounts

The average cost for an insurance policy can differ from person to person, but according to our rate estimates, the average premium rate for full-coverage North Carolina Farm Bureau Insurance is $1,003 per year or $84 per month. If you’re interested in minimum or liability coverage, drivers pay an average of $416 per year or $35 per month.

North Carolina Farm Bureau is known for lower-than-average car insurance rates. The statewide average for full coverage is $1,310 yearly or $109 monthly. Keep in mind, though, that everyone’s insurance rate is different. Factors like your age, vehicle make and model, and driving history will affect your premium. That’s why it can be helpful to work with a local agent to make sure you are getting the most accurate quote.

Discounts

North Carolina Farm Bureau offers the following discounts:

Multiple policy discount
Multiple vehicle discount
Experienced driver discount
Pay-in-full discount
Discount for married couples

North Carolina Farm Bureau Customer Reviews

The North Carolina Farm Bureau has an A+ rating from the Better Business Bureau (BBB) though it doesn’t hold accreditation.

According to J.D. Power’s 2023 Auto Insurance Study, NC Farm Bureau car insurance performed just above average for the Southeast region. It earned 842 points out of a possible 1,000 for customer satisfaction during the claims process.

Because North Carolina Farm Bureau locations are owned and operated separately, you may experience a different level of customer service from one to the next. Know that many reviewers highlight the North Carolina Farm Bureau’s friendly and personalized service. On the other hand, complaints mention long wait times for claims processing and poor representatives throughout the process.

Positive Reviews

“I have my homeowners and auto policy with Farm Bureau. My agent has my cell, and it’s easy to communicate.”

–Lee R. in Raleigh, via Yelp

Negative Reviews

“They were quite congenial when they wanted my business. Once they had it, it was virtually impossible to get in touch with anyone… Once I cancelled my policy, no calls were answered or returned. Save yourself the hassle.”

–Heidi E. in Wilmington, via Yelp

North Carolina Farm Bureau: Our Take

North Carolina Farm Bureau is a good choice for North Carolina drivers seeking cheap car insurance. The insurer is financially stable, having received an A rating from AM Best, and there are a variety of discounts available to drivers. Some ways to save money include bundling policies and paying your policy in full.

Customer reviews vary by location. Many motorists appreciate the company’s local service that feels personalized and friendly, while others take issue with claims filing.

Remember, you must be a member of the state Farm Bureau to get North Carolina Farm Bureau car insurance. However, membership fees are inexpensive and give you access to discounts for hotels, farm supplies, prescription drugs, vision plans, and other retailers.

Our Recommendations For Car Insurance

In our industry review, we studied dozens of top auto insurance companies to grade coverage options, cost, and more. In the end, only a few providers came out ahead.

While shopping for North Carolina Farm Bureau insurance, check out State Farm and USAA. The two providers have a lot to offer. The only way to know what you will pay for either is to get a few car insurance quotes.

State Farm: Best Overall Provider

State Farm is one of the largest insurance companies in the country and ranked the highest overall out of any provider we reviewed. It has great options for families with students and teens, in 48 states. You can get a discount on your premium when you complete a new driver safety course, if you are a student, or by bundling multiple policies.

With State Farm, you can get standard insurance coverage, but you can also add on special protection like gap insurance. State Farm additionally offers usage-based insurance options for drivers with low annual mileage.

For more, read our full State Farm auto insurance review.

USAA: Best For Military Members

USAA earned 4.5 out of 5.0 stars in our review process. The company supports veterans and active members of the military as well as their families. Along with standard coverage, you can get roadside assistance, rental car reimbursement, and accident forgiveness with USAA. Qualified drivers enjoy highly discounted rates, as well as discounts like saving for parking your vehicle on a military base.

Read our full USAA auto insurance review to get more information.

North Carolina Farm Bureau: FAQ

Below are some common questions drivers have about North Carolina Farm Bureau coverage.

Do you have to be a Farm Bureau member to receive auto coverage from North Carolina Farm Bureau?

Yes. In order to get an auto insurance policy from the North Carolina Farm Bureau, you will need to be a member. The annual membership dues in North Carolina are $25 per year.

Do members in the agriculture industry have access to a separate membership tier?

Yes. If you are in the agriculture industry, you have the option to choose a higher membership tier. This will allow you to vote on important decisions within the organization and get access to great discounts from certain retailers.

Is North Carolina auto insurance expensive?

No, full-coverage car insurance in North Carolina is affordably priced. Good drivers with strong credit histories can expect to pay an average of $1,310 per year or $109 per month for full coverage, compared to the national average of $1,968 per year.

How We Rated North Carolina Farm Bureau

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

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.
Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
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.
Pricing: 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.
Service: We comb through customer reviews on sites like the Better Business Bureau (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 a smooth experience.
Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

Dash Lewis Content Writer