Georgia Farm Bureau Insurance auto insurance

Overview

Georgia Farm Bureau Insurance is the insurance arm of the Georgia Farm Bureau, a membership federation that advocates for the state's farmers. Its auto policies are written by Georgia Farm Bureau Mutual Insurance Company, which ranked #65 among U.S. private passenger auto insurers by 2025 direct premiums written according to NAIC market share data, with $304.6 million, or 0.08% of the national market.

It sells only in Georgia. Coverage is available to members of Georgia Farm Bureau: the company's FAQ says membership is required to buy its insurance, and online payments include the annual membership bill of $35. The company says it now serves all types of people in Georgia, not only farmers. The federation reports more than 200,000 member families, and it says membership dues help fund its work supporting Georgia farmers and agriculture.

Policies are sold by Farm Bureau agents working from county offices; the company says it has offices in 158 of Georgia's 159 counties. Agents can also place business with other insurers when Georgia Farm Bureau's own products are not the right fit. Online quick quotes are available for auto and home.

History

Georgia Farm Bureau, a grassroots membership federation, was organized in 1937. Before the 1960s farmers had few options for insuring their farms and equipment, so the federation set up Georgia Farm Bureau Mutual Insurance Company; the company's history page dates this to 1958, while its FAQ says 1959. As a mutual, it has no outside shareholders.

The company has since grown well beyond farms. Its agents now sell personal auto, business auto, homeowners, farm package policies, mobile home, business owner and commercial package policies, personal and commercial umbrellas, inland marine, church, flood and crop insurance, plus life, disability, annuity and Medicare supplement products and a Farm Bureau member health plan. It markets itself with the slogan "Insurance you can feel good about," tied to its support for Georgia-grown food and fiber. For background on how these state organizations work, see how Farm Bureau insurance works.

Auto insurance coverage

A Georgia Farm Bureau auto policy offers liability, collision and other-than-collision (comprehensive) coverage, medical payments, rental reimbursement and uninsured/underinsured motorist coverage. The company's auto page spends time on two Georgia-specific points:

• Limits. Georgia's minimum is 25/50/25, and the company argues that minimum limits are often inadequate, giving examples such as a $75,000 car or a medical helicopter ride costing more than $60,000. The guide to minimum vs full coverage covers the same trade-off.
• Added-on vs reduced-by uninsured motorist coverage. Georgia lets you choose. "Added-on" pays your limit on top of the at-fault driver's liability limit; "reduced-by" subtracts what the other driver's insurer paid. Added-on costs more but can pay much more after a crash with an underinsured driver. See uninsured motorist coverage explained.

The company also notes that under Georgia law, insurers cannot surcharge you for past accidents in which you were not at fault. Medical payments coverage is optional and pays you and your passengers regardless of fault, including if you are hit as a pedestrian.

Discounts and programs

Georgia Farm Bureau lists discounts for driver training, good students, multiline policies, safe drivers, military members and defensive driving classes, along with special farm auto rates. Amounts are not published; your agent determines eligibility. The company does not advertise a telematics or usage-based program.

Membership itself carries benefits: the federation negotiates discounts with outside businesses for members, listed in its member benefits directory.

Claims

You can report a claim online, in the Georgia Farm Bureau mobile app, by calling the claims center at 855-432-2567, or through your agent. The company stresses local service, with local claims adjusters as well as local agents and billing. After a report, a claims representative is assigned, the vehicle is evaluated for repairs, and the representative works toward a resolution; payment can go to the repair shop, to your bank account or by mail. The app also handles bill payment, ID cards and policy documents.

Ratings and reputation

Georgia Farm Bureau's website does not cite an AM Best or other financial strength rating. In J.D. Power's 2026 U.S. Auto Insurance Study (June 2026), the Southeast region ranking, which includes Georgia, featured Kentucky, North Carolina and Tennessee Farm Bureau companies but not Georgia Farm Bureau.

The company's recent news has centered on catastrophe response; in 2025 it described Hurricane Helene, which struck in 2024, as one of the most destructive storms in Georgia's history.

Who it suits

Georgia Farm Bureau suits Georgia drivers who value a hometown agent and adjuster, want to keep auto, home and life with one local organization, and like that their membership supports Georgia agriculture. Drivers who move often, want to buy and manage everything online, or want telematics-based savings may prefer a national carrier.

• Strengths: Offices in almost every county; local claims handling; choice of added-on uninsured motorist coverage; broad product line for bundling; agents can shop other carriers when needed.
• Weaknesses: Georgia only; membership required ($35 a year); no published financial strength rating or discount amounts; no telematics program; not ranked in J.D. Power's 2026 Southeast study.

How to contact Georgia Farm Bureau Insurance