Auto-Owners vs Kentucky Farm Bureau Car Insurance for 2025

Choosing the right car insurance company can be overwhelming, with so many options available in the market.

When it comes to Auto-Owners car insurance vs Kentucky Farm Bureau car insurance, both companies have a long history of providing quality insurance to their customers.

In this article, we’ll examine the pros and cons of each company and provide you with the information you need to make an informed decision.

History and Mission

Auto-Owners was founded in 1916 by Vern V. Moulton and has since grown to become one of the largest insurers in the United States. The company’s mission is to provide excellent service and competitive pricing to its customers while maintaining financial stability.

Kentucky Farm Bureau was also founded in 1916 with the aim of helping farmers with their insurance needs. Today, the company offers a range of insurance products and services to its members, including auto, home, and life insurance.

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Coverage Options Available

Auto-Owners Insurance offers a variety of insurance products, including:

• Auto Insurance: Auto-Owners provides coverage for cars, trucks, motorcycles, and other vehicles. Their policies cover bodily injury and property damage liability, collision coverage, comprehensive coverage, medical payments, and uninsured/underinsured motorist coverage.
• Home Insurance: Auto-Owners provides coverage for homeowners, renters, and landlords. Their policies cover damage to your home and personal property, liability, loss of use, and medical payments.
• Life Insurance: Auto-Owners offers life insurance policies to help protect your loved ones in the event of your death. Their policies include term life insurance, whole life insurance, universal life insurance, and variable universal life insurance.
• Business Insurance: Auto-Owners offers a range of business insurance products, including commercial auto insurance, commercial property insurance, general liability insurance, and workers’ compensation insurance.

On the other hand, Kentucky Farm Bureau (KFB) Insurance provides the following insurance products:

• Auto Insurance: KFB provides coverage for cars, trucks, motorcycles, and other vehicles. Their policies cover liability, collision coverage, comprehensive coverage, medical payments, and uninsured/underinsured motorist coverage.
• Home Insurance: KFB offers coverage for homeowners, renters, and landlords. Their policies cover damage to your home and personal property, liability, loss of use, and medical payments.
• Life Insurance: KFB offers life insurance policies to help protect your loved ones in the event of your death. Their policies include term life insurance, whole life insurance, universal life insurance, and variable universal life insurance.
• Farm Insurance: KFB offers a range of insurance products specifically for farmers and their unique needs. This includes coverage for farm equipment, livestock, and liability protection for farming operations.
• Health Insurance: KFB offers individual and family health insurance plans, as well as dental and vision insurance.

It is worth noting that while both companies offer similar products and services, Auto-Owners operates in 26 states across the country, while KFB operates exclusively in Kentucky. Additionally, Auto-Owners offers business insurance, which is not offered by KFB.

States Where Coverage Is Available

Auto-Owners Insurance offers coverage in the following states:

• Alabama
• Arizona
• Arkansas
• Colorado
• Florida
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Michigan
• Minnesota
• Missouri
• Nebraska
• North Carolina
• North Dakota
• Ohio
• Pennsylvania
• South Carolina
• South Dakota
• Tennessee
• Utah
• Virginia
• Wisconsin

Kentucky Farm Bureau Insurance, as the name suggests, offers coverage exclusively in Kentucky.

It is important to note that while Auto-Owners offers coverage in more states, Kentucky Farm Bureau Insurance specializes in serving the unique insurance needs of Kentucky residents. So, if you live in Kentucky and are looking for a local insurance provider with extensive knowledge of the state and its insurance regulations, KFB may be a good choice for you.

However, if you live outside of Kentucky or need coverage for your business, you may want to consider Auto-Owners or another insurance provider with a wider geographical reach.

Discounts Options

Both Auto-Owners Insurance and Kentucky Farm Bureau Insurance offer a range of discounts to help customers save on their insurance premiums. Here is a breakdown of the discounts offered by each company:

Auto-Owners Insurance discounts:

• Multi-Policy Discount: If you bundle multiple policies with Auto-Owners, such as auto and home insurance, you can save on your premiums.
• Safe Driver Discount: If you have a clean driving record and no recent accidents or violations, you may qualify for a safe driver discount.
• Good Student Discount: If you or your child is a full-time student with good grades, you may be eligible for a discount.
• Teen Driver Discount: If you have a teen driver on your policy who completes an approved driver education course, you may qualify for a discount.
• Anti-Theft Device Discount: If your vehicle is equipped with an anti-theft device, you may be eligible for a discount.
• Paid-in-Full Discount: If you pay your entire annual premium up front, you may be eligible for a discount.
• Paperless Discount: If you opt to receive your policy documents and communications electronically, you may be eligible for a discount.

Kentucky Farm Bureau Insurance discounts:

• Multi-Vehicle Discount: If you have multiple vehicles on your policy, you may be eligible for a discount.
• Good Student Discount: If you or your child is a full-time student with good grades, you may be eligible for a discount.
• Defensive Driving Discount: If you complete an approved defensive driving course, you may be eligible for a discount.
• Anti-Theft Device Discount: If your vehicle is equipped with an anti-theft device, you may be eligible for a discount.
• New Car Discount: If your vehicle is less than three years old, you may be eligible for a discount.
• Loyalty Discount: If you have been a Kentucky Farm Bureau Insurance customer for a certain period of time, you may be eligible for a loyalty discount.
• Paid-in-Full Discount: If you pay your entire annual premium up front, you may be eligible for a discount.

Both companies also offer a discount for paying your premiums automatically through electronic funds transfer (EFT). It’s important to note that not all discounts may be available in all states or for all policies, and discounts may vary based on individual circumstances. Be sure to ask your insurance agent about all available discounts when you’re shopping for car insurance.

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Customer Reviews

Reading reviews from actual customers is a great way to get an idea of the level of service and satisfaction you can expect from an insurance company. Here is a summary of customer reviews for Auto-Owners Insurance and Kentucky Farm Bureau Insurance:

Auto-Owners Insurance has a strong reputation for excellent customer service and claims handling. The company has an A+ rating from the Better Business Bureau and has received numerous awards for customer satisfaction, including the J.D. Power U.S. Auto Claims Satisfaction Study.

Kentucky Farm Bureau Insurance also has a strong reputation for customer service, with an A+ rating from the Better Business Bureau. Customers praise the company for its friendly and knowledgeable agents, affordable rates, and quick claims processing. Many reviewers appreciate the company’s local focus and commitment to serving the unique insurance needs of Kentucky residents.

It’s important to remember that reviews are just one factor to consider when choosing an insurance provider, and it’s always a good idea to research multiple companies and compare coverage options and rates before making a decision.

Roundup: Auto-Owners vs Kentucky Farm Bureau

In conclusion, both Auto-Owners Insurance and Kentucky Farm Bureau Insurance have a lot to offer in terms of coverage options, customer service, and discounts. Auto-Owners is a larger, national insurer with a strong reputation for personalized service and claims handling, while Kentucky Farm Bureau is a smaller, regional insurer with a local focus and a commitment to serving the unique insurance needs of Kentucky residents.

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