Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.
Edited by RaShawn Mitchner Senior EditorRaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on travel, entertainment, household services and more.
Our Research Process Edited by RaShawn Mitchner Senior EditorRaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on travel, entertainment, household services and more.
Why Trust UsHere’s a breakdown of how we reviewed and rated the top auto insurance providers
130 Providers ReviewedOur team looked at over 100 of the top auto insurance providers in the U.S., from national providers like USAA, Travelers and State Farm to regional providers like Erie Insurance.
8,500 Data Points AnalyzedTo properly score each auto insurance provider, we looked at cost data, claims processes, customer review scores, industry standing, available discounts, coverages and add-ons.
800 Research HoursOur team put in the time so you don't have to, evaluating cost data, reading customer reviews and researching companies to determine the most reliable options for coverage.
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The Kentucky Farm Bureau provides car insurance and other types of coverage to residents across the Bluegrass State. Although the company is smaller than many auto coverage providers, the local focus of Kentucky Farm Bureau Insurance plans makes it popular.
We at the MarketWatch Guides team researched the best car insurance companies across the nation and then looked carefully at Kentucky Farm Bureau Insurance. To discover your best options, compare car insurance policies from providers before choosing one.
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We give Kentucky Farm Bureau an 8. 3 out of 10 for its superior coverage, but also for its limited choices and availability. While you’ll find local agents and relatively reasonable prices, you may not find elaborate protection with Kentucky Farm Bureau Insurance.
| Overall Rating | 8.3 |
|---|---|
| Cost | 8.2 |
| Coverage | 8.6 |
| Industry Standing | 8.9 |
| Availability | 6.7 |
| Customer Experience | 8.2 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology at the end of this article.
As the name suggests, Kentucky Farm Bureau Insurance is only available to Kentucky residents. The Kentucky Farm Bureau (KFB) provides car insurance and other types of coverage to residents across the Bluegrass State.
You’ll also have to become a member of the Kentucky Farm Bureau, which comes with an additional fee. Still, the company is worth considering if you’re living in Kentucky and looking for superior coverage.
Expect to receive quality protection when you pick a Kentucky Farm Bureau Insurance plan. You’ll gain basic but comprehensive auto insurance coverage from a local provider, who offers an almost painless claims process.
Below you will find a detailed list of Kentucky Farm Bureau’s pros and cons:
Large network of local agents
Excellent financial strength rating from AM Best
Well regarded across Kentucky
Only available to Farm Bureau members
Fewer coverage options than other providers
Not the state’s cheapest choice
The Kentucky Farm Bureau Mutual Insurance company is headquartered in Louisville and has been offering coverage in the state since 1919. While farm bureaus were originally created to protect farmers, any Kentucky resident can now be a Kentucky Farm Bureau policyholder. The company is also a longstanding member of the larger American Farm Bureau Federation.
Both Bluegrass State drivers and outside organizations in the industry hold KFB Insurance policies in high regard. With that in mind, consider some of the company’s ratings below:
The company’s accreditation and rating with the BBB is a sign that serves customers well. Although the company is smaller than many auto coverage providers, the local focus of Kentucky Farm Bureau Insurance plans makes it popular.
While it’s tough to find Kentucky Farm Bureau Insurance reviews online, J.D. Power evaluated the company on customer satisfaction. Results from the J.D. Power 2024 U.S. Auto Insurance Study SM gave it a score of 687 out of 1,000 points, earning it third place among insurance companies in the Southeast region.
Additionally, Kentucky Farm Bureau Insurance holds a rating average of 3. 4 out of 5 stars on Google. While this number is quite strong for an auto insurance provider, it’s based only on 23 customer reviews.
While Kentucky Farm Bureau Insurance policies generally offer quality coverage, there aren’t particularly many options. The company’s coverage choices are below:
You can also add towing coverage and rental car reimbursement if you’d like an extra layer of protection in the event of a mechanical breakdown.
According to Kentucky law , all motorists must follow the minimum-coverage requirements outlined below. Drivers caught driving without insurance can expect a fine of between $500 and $1,000 or up to 90 days in jail.
While it’s easy to meet the minimum standards for car insurance in Kentucky , drivers would be smart to consider getting additional coverage. Only by adding comprehensive and collision insurance will your vehicle be covered in the event of a car accident, a flood or hail.
While you can find stronger choices for cheap car insurance , Kentucky Farm Bureau Insurance policies are usually affordable. Expect to pay an average of around $2, 221 per year or $ 185 per month for full-coverage car insurance from the KFB versus the national average of $2,681 per year .
Here’s how Kentucky Farm Bureau insurance costs compare to other leading regional and national providers.
| Car Insurance Provider | Monthly Full-Coverage Cost Estimate | Annual Full-Coverage Cost Estimate |
|---|---|---|
| USAA | $145 | $1,741 |
| Erie Insurance | $158 | $1,894 |
| Nationwide | $172 | $2,063 |
| Geico | $166 | $1,995 |
| Auto-Owners Insurance | $158 | $1,898 |
| State Farm | $212 | $2,544 |
| Progressive | $194 | $2,326 |
| Travelers | $141 | $1,692 |
| Allstate | $278 | $3,340 |
| The Hartford | $223 | $2,682 |
| Farmers Insurance | $291 | $3,495 |
Kentucky Farm Bureau Insurance offers various ways to lower your premium through auto insurance discounts . Some of the top ways to save money with the Kentucky Farm Bureau are listed below. You may be eligible for additional discounts, so be sure to request car insurance quotes from a local insurance agent to learn more.
| Kentucky Farm Bureau Insurance Discount | Discount Description |
|---|---|
| Good student discount | This rewards full-time students with a B average or higher. |
| Driver’s training discount | Young drivers can save money by completing a state-certified safe driver course. |
| DriveRight Ⓡ discount | Save up to 25% if you maintain a clean driving record for consecutive years. |
| Senior operator accident prevention discount | Drivers over 55 years old get discounts for finishing approved safety courses. |
| Military defensive driving course | Members of the Armed Forces who complete military defensive driving courses receive discounts. |
| Auto safety devices discount | Discounts are offered for safety equipment like air bags, antilock brakes and passive restraints. |
| Multi-vehicle discount | Earn savings by insuring more than one car with the KFB. |
| Active property discount | Get bundling discounts for also holding home, mobile home or farm insurance from the company. |
| School bus driver discount | Certified school bus drivers get discounts. |
| Umbrella discount | Save money by also carrying umbrella coverage through the KFB. |
While Kentucky Farm Bureau offers auto coverage, it also provides other insurance products.
It may be worth bundling some of these coverages with auto insurance if the company is the right pick for you.
Here are some of the additional kinds of protection the company carries:
The DriveRight Mobile telematics insurance program lowers premiums for drivers who download an app that records their behaviors behind the wheel. Motorists must be willing to let Kentucky Farm Bureau Insurance agents track their driving habits, but many who use the app end up receiving lower auto premiums.
Like nearly all auto insurance companies, the Kentucky Farm Bureau offers quotes for custom rates based on information about you and your vehicle.
The Kentucky Farm Bureau provides a wide range of coverage options at an affordable rate for Kentucky drivers. However, you will find limited choices in terms of agents and not as much elaborate protection as with other insurance companies.
Overall, we recommend shopping around for car insurance online before settling on a provider. Use rate calculators to compare pricing and coverage. Comparing quotes can help you determine which companies fit your needs.
Kentucky Farm Bureau Insurance is great for many who live in the state of Kentucky, but it’s not for everyone. If you’re still considering your options, it’s worth looking into coverage from Geico and Progressive.
Geico is the Editor’s Choice for car insurance because of its combination of competitive prices and relatively strong customer reviews. In addition to having some of the lowest rates in the insurance industry, Geico offers numerous ways to save on your insurance premiums. The company offers a wide variety of discount opportunities, including up to 26% off for being a good driver and up to 25% off if you have more than one vehicle on your policy.
Keep reading : Geico Insurance Review
State Farm is a widely-known insurer that consistently offers great customer service on top of plenty of coverage add-ons. State Farm tends to offer many discounts, including multi-policy, multi-vehicle, good student, and driver’s education. If you are looking for a variety of coverage options and discounts with good customer service, State Farm is a company to look into.
