Auto-Owners vs Farm Bureau Car Insurance for 2023
Navigate the complex landscape of car insurance with a comprehensive exploration of Auto-Owners vs. Farm Bureau, two industry giants vying for your attention in the realm of reliable coverage tailored to your unique needs.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Securing the right car insurance is a pivotal step towards safeguarding your vehicle and financial well-being. In the realm of choices, Auto-Owners and Farm Bureau stand out as contenders worthy of attention. To unravel the intricacies of their offerings, we’ve conducted a comprehensive analysis encompassing critical factors like credit score, mileage, coverage levels, and driving records.
| Factor | Auto-Owners | Farm Bureau |
|---|---|---|
| Clean Record | $87 | $80 |
| 1+ Ticket | $105 | $100 |
| 1+ Accident | $127 | $120 |
| DUI | $130 | $140 |
| Poor Credit | $150 | $138 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Auto-Owners | Farm Bureau |
|---|---|---|
| Safe Driver | 5% | 8% |
| Low Mileage | 10% | 11% |
| Anti Theft | 10% | 9% |
| Paperless | 7% | 7% |
| Senior Driver | 15% | 16% |
| Good Student | 10% | 12% |
Auto-Owners Car Insurance
Pros:
- Long-standing History: Auto-Owners, founded in 1916, boasts a long history in the insurance industry, signaling stability.
- Broad Coverage Range: Operating in 26 states, Auto-Owners provides a wide geographic coverage area for potential customers.
- Comprehensive Discounts: Offers a variety of discounts, including multi-policy discounts and safety feature discounts.
- High Customer Satisfaction: Ranked #1 in customer satisfaction in the Midwest region according to J.D. Power’s 2022 U.S. Auto Insurance Study.
Cons:
- Limited Farm-Related Discounts: Auto owners may not have specialized discounts for farm-related vehicles, potentially impacting rural customers.
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Farm Bureau Car Insurance
Pros:
- Agricultural Focus: Originating in 1939 to serve farmers, the Farm Bureau maintains a strong focus on agricultural and rural insurance needs.
- Specialized Farm-Related Discounts: Offers discounts tailored for farm-related vehicles, making it an appealing choice for farmers.
- Customer Satisfaction: Positive customer reviews for customer service and claims handling, showcasing a commitment to customer care.
- Flexible Claims Process: Allows policyholders to file claims through various channels, including online, phone, and mobile apps.
Cons:
- Limited Geographic Presence: Farm Bureau may not be available in as many states as Auto-Owners, limiting its accessibility.
- Possibly Higher Rates: Depending on factors such as location and coverage needs, Farm Bureau’s rates may be higher for some customers.
Best Overall Car Insurance: Auto-Owners
When evaluating Auto-Owners and Farm Bureau for the best overall car insurance provider, Auto-Owners emerges as the stronger choice which dominates with:
Proven Track Record
With a foundation laid in 1916, Auto-Owners boasts an extensive and reputable history in the insurance industry, signaling reliability and stability.
Wide Geographic Coverage
Operating in 26 states, Auto-Owners offers a broader reach, providing potential customers with more extensive accessibility compared to Farm Bureau.
Comprehensive Discounts
Auto owners excel in offering a diverse range of discounts, including multi-policy and safety feature discounts, providing customers with ample opportunities to save on premiums.
Top-Tier Customer Satisfaction
Earning the top spot in customer satisfaction in the Midwest region according to J.D. Power U.S. Auto Insurance Study, Auto-Owners demonstrates a consistent commitment to providing excellent service.
History and Mission
Auto-Owners Insurance was founded in 1916 in Michigan and has since expanded to offer insurance products in 26 states. The company’s mission is to provide “a broad range of insurance products to meet the needs of its customers while offering exceptional customer service.”
Farm Bureau Insurance was established in 1939 to provide insurance to farmers and ranchers in rural communities. Today, the company has grown to serve a wider range of customers and offers a variety of insurance products, including car insurance. The company’s mission is to “help its customers protect what matters most.”
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Products and Services
Both Auto-Owners and Farm Bureau offer a range of car insurance products, including liability coverage, collision coverage, comprehensive coverage, and more. In addition, they both offer optional add-ons, such as roadside assistance and rental car coverage, to provide even more protection.
The cost of car insurance from Auto-Owners and Farm Bureau will vary depending on factors such as your driving record, age, location, and the type of coverage you need. However, both companies offer competitive rates and discounts to help you save money on your premiums.
Auto-Owners and Farm Bureau Discounts
Auto-Owners and Farm Bureau both offer a variety of discounts to help you save money on your car insurance premiums. Some of the discounts available to auto owners include:
- Multi-policy discount
- Good student discount
- Safe driver discount
- Anti-theft device discount
Farm Bureau also offers a range of discounts, including:
- Multi-vehicle discount
- Safe driver discount
- Good student discount
- Anti-theft device discount
Case Studies: Auto-Owners vs Farm Bureau Car Insurance
Case Study 1: John’s Comprehensive Coverage Dilemma
John, a resident of Michigan, was in the market for comprehensive car insurance coverage. He compared quotes from auto owners and the Farm Bureau to make an informed decision. By carefully assessing the coverage options, rates, and customer satisfaction ratings, John was able to choose the provider that best suited his needs.
Case Study 2: Sarah’s Farm-Related Vehicle Discount
Sarah, a farmer living in a rural area, wanted to insure her farm-related vehicles. She approached both auto owners and the Farm Bureau to explore the available discounts. Farm Bureau’s specialized discounts for farm-related vehicles made it the clear choice for Sarah, ensuring she could protect her farming equipment and vehicles at an affordable rate.
Case Study 3: James’ Satisfaction With Claims Handling
James, a customer from the Midwest region, had to file a claim for his car insurance policy. He compared the customer satisfaction ratings of Auto-Owners and Farm Bureau, focusing on their claims handling process. James discovered that Farm Bureau received high ratings for its customer service and claims handling, ultimately influencing his decision to choose them as his car insurance provider.
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Claims Process With Auto-Owners and Farm Bureau
Ease of Filing a Claim
Both Auto-Owners and Farm Bureau prioritize accessible claims filing. Auto-Owners offers online and phone options, along with a user-friendly mobile app for convenient claims initiation. Farm Bureau mirrors this flexibility, ensuring policyholders can file claims online, over the phone, or through their mobile app.
Average Claim Processing Time
Auto-Owners and Farm Bureau share a commitment to timely claim processing. While processing times vary depending on the claim’s nature, both insurers strive for prompt resolutions to minimize disruptions and swiftly provide policyholders with the compensation they need.
Customer Feedback on Claim Resolutions and Payouts
Both companies have earned praise for their claims handling. Auto-Owners impresses with professional and efficient resolutions, while Farm Bureau’s expertise in guiding policyholders through the process and arranging essential services garners positive feedback. These reviews underscore the insurers’ dedication to delivering fair and prompt compensation.
Digital and Technological Features at Auto-Owners and Farm Bureau
Mobile App Features and Functionality
Auto-Owners and Farm Bureau equip policyholders with feature-rich mobile apps. Auto-Owners’ app streamlines policy management, claims filing, and access to critical policy information. Farm Bureau’s app offers similar capabilities, ensuring policyholders can efficiently navigate insurance matters on the go.
Online Account Management Capabilities
Both insurers provide robust online account management. Auto-Owners’ platform enables policy adjustments, real-time policy access, and streamlined billing. Farm Bureau’s online capabilities simplify policy administration, from making changes to handling billing and payments.
Digital Tools and Resources
Auto-Owners and Farm Bureau empower policyholders with digital tools and resources. These include informative articles, educational materials, FAQs, and interactive tools. By offering a wealth of knowledge, both insurers ensure policyholders can make informed decisions and effectively manage their policies.
Customer Reviews
When it comes to customer satisfaction, both Auto-Owners and Farm Bureau have received high ratings. According to J.D. Power’s 2022 U.S. Auto Insurance Study, auto owners rank #1 in customer satisfaction in the Midwest region. Meanwhile, Farm Bureau has received high ratings from customers for its customer service and claims handling.
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Frequently Asked Questions
What is the history of Auto-Owners Insurance?
Auto-Owners Insurance was founded in 1916 in Michigan and has since expanded its services to cover 26 states. Understanding the company’s history can provide insights into its reliability and longevity.
What makes Farm Bureau Insurance unique?
Farm Bureau Insurance, established in 1939, initially served farmers and ranchers in rural communities. Exploring what sets it apart helps potential customers understand its focus and specialized offerings.
What types of coverage do Auto-Owners and Farm Bureau offer?
Both companies provide various car insurance products, including liability, collision, and comprehensive coverage. Knowing the breadth of their offerings helps individuals assess which aligns better with their insurance needs.
How do the discount programs differ between Auto-Owners and Farm Bureau?
Auto-Owners and Farm Bureau each offer discounts, but the specifics vary. Understanding the nuances of their discount programs can be crucial in maximizing potential savings on insurance premiums.
What is the geographic reach of Auto-Owners and Farm Bureau?
Auto-Owners operates in 26 states, while Farm Bureau may have a more limited geographic presence. Knowing where each company offers coverage ensures that potential customers can access their services based on their location.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.