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Georgia Farm Bureau Insurance coverage Assessment 2020


At NerdWallet, we try that will help you make monetary choices with confidence. To do that, many or the entire merchandise featured listed here are from our companions. Nevertheless, this doesn't affect our evaluations. Our opinions are our personal.


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  • Provides a few of Georgia’s least expensive common auto insurance coverage charges.
  • Has fewer than the anticipated variety of complaints to state regulators relative to its measurement for auto and residential insurance coverage.
  • Requires membership in Farm Bureau, which is open to anybody.

In Georgia, Farm Bureau insurance coverage could also be a good selection for you, even when your solely connection to farming is what's in your dinner plate.

A $ 35 annual membership charge to the Farm Bureau offers you entry to a few of the least expensive auto insurance coverage charges in Georgia, on common, plus owners insurance coverage and different advantages.

Though Farm Bureau insurance coverage is obtainable in most states, insurance policies from Georgia Farm Bureau Insurance coverage are provided solely within the Peach State. Georgia Farm Bureau Insurance coverage is considered one of greater than 20 separate Farm Bureau-affiliated insurance coverage corporations, a lot of which function in only one state.

»MORE: How Farm Bureau insurance coverage works

Georgia Farm Bureau auto insurance coverage

Georgia Farm Bureau auto insurance coverage earned 3.5 stars out of 5 for total efficiency. NerdWallet’s scores are decided by our editorial workforce. The scoring system takes into consideration quite a lot of particulars together with pricing, reductions and ease of submitting a declare. Different components analyzed embody web site transparency, monetary power and criticism information from the Nationwide Affiliation of Insurance coverage Commissioners.

For a lot of drivers, Georgia Farm Bureau Insurance coverage presents a few of the lowest common costs within the state, in line with NerdWallet’s 2020 fee evaluation. Even after bearing in mind the Farm Bureau membership charge, charges had been sometimes lots of of {dollars} a 12 months cheaper than the state common.

Drivers with poor credit score could be notably enthusiastic about getting a Georgia Farm Bureau automotive insurance coverage quote. The corporate was the one insurer of the seven we checked in Georgia that confirmed the identical charges for good-credit and bad-credit drivers. Charges from different insurers in Georgia had been as a lot as $ 2,000 a 12 months larger for a driver with poor credit score in comparison with somebody with good credit score.

For single drivers, Georgia Farm Bureau Insurance coverage was the state's least expensive possibility in each class we checked apart from one: It was second least expensive (by $ 34 a 12 months) for a 25-year-old with good credit score and a clear driving report, shopping for the state's minimal required automotive insurance coverage. In different classes, charges ranged from $ 173 to $ 1,621 a 12 months under the state common.

Georgia Farm Bureau Insurance coverage common annual charges

Georgia Farm Bureau Insurance coverage was additionally the state’s least costly insurer for a married couple with a teen driver, and the second least expensive possibility for the couple alone. We discovered these common annual charges for a Georgia husband and spouse, each 50 years outdated, shopping for full protection insurance coverage on two vehicles:

  • $ 2,167 for the couple alone. That's $ 263 a 12 months larger than the most cost effective possibility, however nonetheless $ 154 under the typical for Georgia.
  • $ 3,584 for the couple plus an 18-year-old driver. That's $ 138 a 12 months cheaper than the closest competitor and $ 684 under the state common.

Georgia Farm Bureau auto insurance coverage reductions

Georgia Farm Bureau auto insurance coverage policyholders could also be eligible for reductions for:

  • Protected driving.
  • Driver coaching.
  • Bundling auto and residential protection.
  • Good grades, if the coverage covers a scholar.

»MORE: eight methods to get the most cost effective automotive insurance coverage doable

Georgia Farm Bureau auto insurance coverage protection choices

Georgia Farm Bureau Insurance coverage has restricted data on its web site about its automotive insurance coverage protection choices. Nevertheless, in line with our fee evaluation, the corporate presents normal options reminiscent of legal responsibility insurance coverage in addition to non-compulsory add-ons like complete and collision protection.

Roadside help is included by way of a accomplice firm, Highway America, a subsidiary of Mapfre. Accident forgiveness can also be accessible.

»MORE: Finest low-cost automotive insurance coverage in Georgia

Georgia Farm Bureau owners insurance coverage

Owners insurance policies from Georgia Farm Bureau Insurance coverage can embody choices like:

  • Mechanical breakdown protection.
  • Home based business insurance coverage.
  • Protection for pastime farms.
  • Additional protection for valuables like jewellery, furs and firearms.

Extra about Georgia Farm Bureau Insurance coverage

Georgia Farm Bureau Insurance coverage had fewer than the anticipated variety of complaints to state regulators relative to its measurement for each residence and auto insurance coverage, in line with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners.

Along with residence and auto insurance policies, you may get a number of different forms of protection by way of Georgia Farm Bureau Insurance coverage, together with:

  • Renters insurance coverage.
  • Condominium insurance coverage.
  • Farm insurance coverage.
  • Life insurance coverage by way of Southern Farm Bureau Life, an affiliated firm that operates in 11 states.

Georgia Farm Bureau members can also qualify to buy:

  • Dental insurance coverage by way of Delta Dental.
  • Medicare complement insurance coverage by way of Tennessee Rural Well being.
  • Preventive well being screenings by way of life line screening.
  • Telemedicine providers by way of Teladoc.
  • Medical health insurance for small companies, together with sole proprietors, by way of Anthem Blue Cross and Blue Defend of Georgia.

Georgia Farm Bureau presents reductions for pharmaceuticals, LASIK eye surgical procedure, air ambulance service, listening to aids and different services.

web site: The Georgia Farm Bureau Insurance coverage web site permits you to discover an agent, get a quote, make premium funds and report a declare. It has only a few particulars about coverage choices, and refers you to an area Farm Bureau agent.

Cellular app: In your cell system you’ll be able to pay your premiums, begin a declare and examine its standing. It’s also possible to join with an agent, view your coverage data and name for roadside help.

METHODOLOGY: AUTO INSURANCE RATINGS

NerdWallet’s auto insurance coverage scores reward corporations for customer-first options and practices. Scores are based mostly on weighted averages of scores in a number of classes, together with monetary power, client complaints, web site transparency and affordability. Utilizing our editorial discretion, we additionally take into account buyer satisfaction surveys. These scores are a information, however we encourage you to buy round and examine a number of insurance coverage quotes to seek out the most effective fee for you. NerdWallet doesn’t obtain compensation for any critiques. Learn our editorial pointers.

METHODOLOGY: INSURER COMPLAINTS

NerdWallet examined complaints obtained by state insurance coverage regulators and reported to the Nationwide Affiliation of Insurance coverage Commissioners in 2016-2018. To evaluate how insurers examine to 1 one other, the NAIC calculates a criticism index annually for every subsidiary, measuring its share of complete complaints relative to its measurement, or share of complete premiums within the trade. To guage an organization’s criticism historical past, NerdWallet calculated an identical index for every insurer, weighted by market shares of every subsidiary, over the three-year interval. Ratios are decided individually for auto, residence and life insurance coverage.

Methodology: Auto insurance coverage charges

For our “good driver” profile, NerdWallet averaged charges from the biggest insurers within the state for 40-year-old women and men in all ZIP codes with 12,000 annual miles pushed. The coverage consists of:

  • $ 100,000 bodily damage legal responsibility per individual.
  • $ 300,000 bodily damage legal responsibility per accident.
  • $ 50,000 property harm legal responsibility per accident.
  • $ 100,000 uninsured motorist protection per individual.
  • $ 300,000 uninsured motorist protection per accident.
  • Collision protection with a $ 1,000 deductible.
  • Complete protection with a $ 1,000 deductible.

If required, minimal extra coverages had been added. Our “younger driver” had all the identical traits, however common charges had been for 25-year-old women and men. We used the identical assumptions for all different driver profiles, with the next exceptions:

  • For drivers with minimal protection, we adjusted the numbers above to mirror minimal required protection by regulation within the state.
  • We modified the credit score tier from “good” to “poor” as reported to the insurer to see charges for drivers with poor credit score.
  • For drivers with one at-fault crash, we added a single at-fault crash costing $ 10,000 in property harm.
  • For drivers with a ticket, we added a single rushing violation for driving 16 m.p.h. over the pace restrict.
  • For drivers with a DUI, we added a single drunken driving violation.

We used a 2016 Toyota Camry LE for all single drivers.

{Couples} in our analyzes had been 50-year-old women and men with good credit score and clear driving histories averaged throughout all ZIP codes with the identical coverage outlined above. To see charges for households with a teen, we added an 18-year-old licensed two years in the past, averaging charges for female and male teenagers. For {couples} and households, we added a 2016 Nissan Rogue S to create a two-car family.

These are charges generated by way of Quadrant Data Companies. Your personal charges will probably be totally different.

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