What Does Farm Bureau Full Coverage Auto Insurance Cover?

A full coverage car insurance plan from Farm Bureau will include basic liability, collision, and comprehensive coverage. Read more here!
Written by Jessica Gibson
Reviewed by Kathleen Flear
You’ll get basic liability, collision, and comprehensive coverage if you sign up for Farm Bureau’s full coverage. Most lenders require this if you’re leasing or financing a car. Fortunately, Farm Bureau offers some of the most competitive rates in the nation.
To enjoy Farm Bureau’s affordable policies, you’ve got to be a member and pay an annual membership fee of $20 to $90. With membership, you’ll get access to great rates on a full coverage policy, be able to vote on policies, and get tons of discounts for travel, hotels, pharmacies, farm equipment, and more!
Before you sign up for full coverage, take a moment to decide if you need full coverage or if basic liability would be better for you. Think about your priorities. Are you looking for the
cheapest car insurance
option or do you want
car insurance
that offers you peace of mind?
To help you make your decision, we’ll go over what Farm Bureau includes under a full coverage policy, so let’s get started!
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What does Farm Bureau full coverage insurance cover?

You might assume that full coverage means every kind of insurance, but actually, there’s no official definition of
full coverage
. This means that a full coverage policy varies from company to company. However, insurers generally agree that a full coverage policy must include at least these basic kinds of coverage:
  • Liability insurance:
    Just about every state requires drivers to carry liability insurance, which covers medical bills and car repairs for other drivers if you’re responsible for an accident.
  • Collision insurance:
    This coverage pays to repair or replace your car if it’s damaged in an accident.
  • Comprehensive insurance:
    This covers your vehicle outside of collisions. So, if your car is stolen or damaged by something like a natural disaster or a construction accident, this coverage pays to repair or replace your car.
Full coverage insurance from Farm Bureau would most likely include these three types of coverage, which would protect you from costly medical bills and vehicle repairs. 

Does full coverage really cover everything?

No—full coverage is kind of a misleading term since it doesn’t usually cover everything. Don’t assume that full coverage is the best type of insurance for you—there are a variety of other types of insurance that might be a better fit.
Full coverage just means that the policy offers more than basic liability, which is the minimum that states usually require. Think of it this way: liability takes care of other drivers and their vehicles, while full coverage refers to coverage that looks after you and your car.
Have you ever wondered why you’re required to carry full coverage if you’re leasing or financing a vehicle? It’s because the lender wants to protect their investment.
Insurance isn’t one-size-fits-all, and fortunately, Farm Bureau offers their customers several types of insurance that you can pick and choose to create a full-coverage policy that’s best for you. Take a look at the following table to see your Farm Bureau options.

Other types of Farm Bureau auto insurance coverage

Type of coverage
Farm Bureau covers medical bills and lost income if you get into an accident with a driver who doesn’t have liability insurance (or their liability coverage is too low to cover all of your expenses).
MedPay coverage through Farm Bureau takes care of medical costs if you or anyone in your car gets injured in a car accident. You can use MedPay to pay your deductible before insurance kicks in.
PIP works a bit like MedPay, but it also covers lost wages and childcare expenses. Unlike MedPay, you do have to pay a deductible. If you live in a
no-fault state
, you’re required to carry this type of insurance.
You can affordably add roadside assistance to your Farm Bureau policy. It offers towing and pick-up services if your car breaks down. Plus, Farm Bureau uses its network to provide this service in all 50 states.
If you’re driving a car that’s a newer model year (less than four or five years old), Farm Bureau will reimburse you for the cost of the car if you get into an accident.
If you love Farm Bureau’s customer service and coverage, check out their other insurance products, including
classic car insurance
, home or renter insurance, life insurance, and more!
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Is full coverage car insurance from Farm Bureau worth it?

Full coverage is usually a good idea for most drivers who have solid credit, but it never hurts to shop around before you commit to a Farm Bureau insurance policy.
Remember, no state requires you to have full coverage, but if you’re leasing or
financing a car
you probably are on the hook for full coverage until you return or pay off the vehicle. Even if you own your car, full coverage is often worth it since you’ll enjoy financial protection against
a total loss
. The exception to this is if you’re driving an older car that’s not worth very much.

Benefits of full coverage Farm Bureau car insurance

Here are just some of the perks of having Farm Bureau full coverage:
  • You’ll meet lender requirements if you’re leasing or financing your car.
  • You’ll enjoy peace of mind if you live in an area with high-crime rates or inclement weather.
  • You can
    file a claim
    if your car gets totaled.
Full coverage is almost always worth it if you have a high-value car or live in an area with high crime or severe weather since you’ll likely need to file a claim at some point.

Drawbacks to full coverage Farm Bureau car insurance

That being said, full coverage isn’t right for everyone. If your car is older and not worth more than a few thousand dollars, consider these drawbacks:
  • You’ll pay more for full coverage than basic liability insurance.
  • You’ll pay more after you file a claim.
  • You’ve always got to pay a
    before you can file a collision or comprehensive claim.
If you want the benefits of full coverage, but you’re concerned you can’t afford the premiums, look into Farm Bureau discounts. They offer the usual discounted rates for bundling policies like
homeowners insurance
renters insurance
with your car insurance policy. 
Farm Bureau also offers a telematics reward program called
. Just install the program and get rewarded for safe driving habits!

Does Farm Bureau have the best full-coverage auto insurance?

Farm Bureau isn’t the best, only because there’s really not much of a difference between their full coverage and any other insurance provider’s coverage.
However, you will find that car insurance rates vary from provider to provider because each carrier uses different factors to come up with their rates. These factors include your age, gender, location, credit score, driving history, marital status, and more. If you’ve got a
clean driving record
good credit
, Farm Bureau can probably offer you an excellent rate.
But, it can’t hurt to shop around and see what the competition offers. For instance,
State Farm
, or
might be able to offer you better rates. It all just depends on the demographics that they favor!
Don’t forget to consider customer satisfaction when you shop for insurance providers. Oh, and challenge yourself to compare at least three to five car insurance quotes from different companies, so you have the best chance of getting the best rate.
Farm Bureau ranks highly with the Better Business Bureau and J.D. Power. In fact, Texas Farm Bureau has won the "Highest Customer Satisfaction Among Auto Insurers in Texas," award for 11 years running!

The bottom line

Farm Bureau is known for its competitive rates on full coverage car insurance and its great customer service. If you have solid credit and a good driving record, Farm Bureau is a fantastic option. 
had a super simple app that was easy to navigate. And their terrific customer service made everything even easier. Plus I saved $700 in a single year.” —Lucia M.


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This is pretty subjective, but you’ll probably decide that full coverage isn’t worth it on an older vehicle with high mileage that’s not very valuable. Specifically, if you’re paying more for the full-coverage premium than it would cost you to replace the car, it’s not worth it.
Liability coverage doesn’t take care of your medical bills and vehicle repairs—it only covers other drivers when you’re at fault. Full coverage means different things for every insurance provider, but it typically includes liability, collision, and comprehensive coverage. Full coverage takes care of you and other drivers.
You’ll hear this term used a lot! A deductible is how much money you’ve got to pay when you submit a collision or comprehensive coverage claim before your insurance kicks in. Keep in mind that you might have to pay a deductible for personal injury protection and uninsured motorist property damage, too.
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