Farm Bureau motorcycle insurance review

Fairly standard coverage if you live in one of eight Midwest states

  • Get a quote if you’re looking for basic insurance.
  • Pick something else if you don’t live in the Midwest.
  • Available for members of Farm Bureau.
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Roadside assistance

New car protection

Accident forgiveness


States served Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Carolina, Utah
Roadside assistance Optional
Pay schedule 12 months
Claims methods online, phone
Accident forgiveness


  • Plenty of discounts.
  • Member benefits.
  • High customer satisfaction.


  • Basic coverage.
  • Must have a Farm Bureau membership.

Review by

Julia Cameron is a writer and editor who has experience in finance, mergers and acquisitions, content marketing and immigration law. She has a passion for interior design and an affinity for Old Florida, where she lives with her family.

Expert review

If you live in Farm Bureau’s service area and are willing to become a member, getting motorcycle insurance with this provider has its benefits. But if you live in a state it doesn’t service or you’re looking for more extensive coverage, you’ll have better luck elsewhere.

How to apply for Farm Bureau motorcycle insurance

You can’t apply online. Instead, you’ll need to search for a local agent through Farm Bureau’s search tool.

  1. Search for an agent by clicking Get Started on Farm Bureau’s motorcycle insurance page.
  2. Enter your ZIP code and click Go.
  3. Select an agent from the list provided, and contact them by phone, email or in person.
  4. The agent will help you determine your coverage needs.
  5. Provide the required information and receive a quote.
  6. If you’re happy with the quote, sign up for the policy and begin making payments.

What info do I need to apply?

Before applying, have the following handy to make the process go smoothly:

  • Driver’s license
  • Motorcycle make, model, license plate number and VIN
  • Home address and phone number
  • Banking info for payments

What discounts can I get with Farm Bureau?

Farm Bureau offers a range of ways to save money on your insurance, including these discounts:

  • Member’s Choice bundling. Bundling your home and motorcycle policies can save you money.
  • Claim free. Though eligibility depends on your state, get rewarded for making no claims for a certain period of time.
  • Good student. By maintaining a B average or higher, you’ll save money on your premium.
  • Safe young driver. Drivers under age 25 get a discount when they complete the Young Driver Safety program.
  • Low mileage. Driving less than 7,500 a year might earn you a discount.
  • Multiple vehicles. Insuring multiple cars and motorcycles in your household on one policy will get you a lower rate per vehicle.
  • Loyalty. Continue to renew your policy for a discount.

What insurance coverage does Farm Bureau offer?

Each state has its own minimum requirements for motorcycle insurance, which usually includes at least liability. But consider adding these options to build a policy that suits your needs.

  • Liability. This coverage pays for damage that you cause to another person or their property.
  • Collision. With collision, you’re covered for damage to your bike resulting from an accident.
  • Comprehensive. Comprehensive covers damage to your bike resulting from something other than an accident, like fire or vandalism.
  • Uninsured/Underinsured. With this coverage, you’re protected if you’re involved in an accident with a driver without enough insurance to pay for the damages.
  • Medical payments coverage. These optional coverages that help with medical bills are available in all states where Farm Bureau does business.
  • Roadside assistance. Get 24/7 help if you break down on the side of the road.
  • Replacement cost coverage. Typically models less than four years old are eligible for replacement cost coverage, but you should check with your agent to find out how bikes are covered.

Alternatives to Farm Bureau for motorcycle

You can learn more and compare providers with more extensive coverage by using our motorcycle insurance guide.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
The AARP Auto Insurance Program from the Hartford
On the first accident
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA motorcycle insurance
Yes (after 5 years of loyalty)
USAA salutes military members and their families with membership savings, safety rewards and convenient bundling.
Get a great deal online with steep discounts and some of the highest liability limits available.
Liberty Mutual motorcycle insurance
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
AAA motorcycle insurance
Included free
Yes, optional extra
All 50
Members receive wide motorcycle coverage, including extensive roadside assistance. Coverage varies by state.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.

Compare up to 4 providers

What types of motorcycles does Farm Bureau cover?

In addition to covering standard motorcycles, you can also find coverage for:

  • Touring bikes
  • Sport bikes
  • Cruisers
  • Customized bikes

Pros and cons of Farm Bureau motorcycle insurance


  • Multiple ways to save. With the many discounts available to drivers, you’re bound to find a few that apply to you.
  • Great customer service. Farm Bureau gets an A+ rating from the BBB.
  • Strong financial rating. AM Best gives the company an A (Excellent) rating.


  • Must be a member. You have to join the Farm Bureau to take advantage of insurance through this provider.
  • Limited availability. Farm Bureau Financial Services operates in just a few states: Arizona, Iowa, Kansas, Minnesota, Nebraska, New Mexico, South Dakota and Utah. However, you might be able to find an independent farm bureau in your state that also offers insurance.

How to become a Farm Bureau member

To join the Farm Bureau, you’ll need to contact your local Farm Bureau office. Head over to the American Farm Bureau Federation’s website and select the join tab to find a list of offices by state.

How do I make a claim with Farm Bureau?

When making a claim, you have options. Get in touch with Farm Bureau in any of the following ways:

  • Online. Log into your account and report the details of your claim online.
  • Agent. Contact your local agent to report a claim. You can search for an agent with Farm Bureau’s online search tool.
  • Phone. Call Farm Bureau’s claims center at 800-226-6383.

Frequently asked questions about Farm Bureau motorcycle insurance

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