Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 12, 2021

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Key takeaways...

  • Kentucky Farm Bureau has been in business for more than 60 years
  • Kentucky Farm Bureau offers many ways to get in touch with them to handle your account
  • Umbrella discount is available for those people who carry an umbrella policy with KFB

Kentucky Farm Bureau has been offering insurance to residents of Kentucky for more than 60 years. They offer solid protection, excellent customer service and reasonable prices.

They are the largest automobile insurer currently based in Kentucky and they insure drivers in all 120 counties of the state.

Read this review of Kentucky Farm Bureau car insurance to decide if they are the best choice of car insurer for your needs.

Be sure to enter your zip code above for a free car insurance quote comparison from many different car insurers!

Can you use Kentucky Farm Bureau insurance coverage nationwide?

While the insurance is provided specifically for drivers in Kentucky, the coverage will go wherever you are.

Whether you are driving a rental car in Puerto Rico, or take a long trip all the way to Canada, Kentucky Farm Bureau insurance offers coast-to-coast protection.

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What kind of coverage is available from Kentucky Farm Bureau?

Types of coverage available from Kentucky Farm Bureau include:

  • Liability coverage (bodily injury liability and property damage liability)
  • Collision coverage
  • Comprehensive coverage
  • personal injury protection
  • Additional coverage is also available for medical payment, towing and labor and rental reimbursements

As you can see, Kentucky Farm Bureau offers the liability insurance that will take care of your minimum coverage requirement, along with a wide variety of additional coverage options.

What Kentucky Farm Bureau car insurance discounts are available?

KFB is concerned about helping their customers save money. For that reason, they offer several discounts:

  • Good Students who have a certain GPA can enjoy a break on their insurance premium
  • Driver’s Training discount will reward you for passing a certified safe driver’s instruction course
  • Safe Driver Discount and the DriveRight Discount reward you for being a cautious, safe driver. Requirements include being accident or claim free for 3, 5, or 8 years
  • Senior Operator Accident Prevention Discount will save money for senior citizens 55 and older who complete an approve safety course
  • Auto Safety Devices not only keep you safe, they also save you money
  • Multi-Car Discounts are available for those families insuring multiple cars
  • Active Property Discount is available for customers who have a home and auto policy with KFB
  • School Bus Driver Discount can also save money for those people who drive the little ones to school every day
  • Umbrella Discount is available for those people who carry an umbrella policy with KFB

Kentucky Farm Bureau also offers homeowners insurance, life insurance, health insurance, and more, so you may also be able to get a multi-policy discount for bundling two or more types of insurance together.

If your auto insurance is expensive because you don’t have a clean driving record or you have a poor credit score, insurance discounts can significantly lower your base rates.

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Should you buy Kentucky Farm Bureau car insurance?

You should consider many factors when choosing an auto insurance provider, but there are some good reasons to go with Kentucky Farm Bureau.

As with so many companies, Kentucky Farm Bureau offers many ways to get in touch with them to handle your account.

Whether you are trying to make changes, or just have some questions, you can contact them by phone, through their website, or you can sit down with an agent.

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Fast Claims Service

The claims process at Kentucky Farm Bureau is simple and straightforward. KFB knows that you don’t have time to wait for an adjuster to conduct a lengthy claim investigation when you need to get your vehicle fixed. That’s why they take great pride in offering quick service from highly trained and professional claims adjustors.

They can help you get back on the road faster and with less stress after an auto accident or other incident involving your car. There are sixteen district claims offices located throughout the state to help ensure that you are taken care of immediately.

Kentucky Farm Bureau is more than an insurance company. They also offer banking services and discount programs.

Check out customer reviews on the Better Business Bureau website to learn what policyholders have to say about Kentucky Farm Bureau’s service.

With their competitive rates, excellent services and strong history of taking care of their members, it’s a good choice for drivers who call Kentucky home.

Compare rates from many insurance companies — Enter your zip code below to get started right now!


  1. https://www.enterprise.com/en/car-rental/locations/us/pr.html
  2. https://www.thehartford.com/aarp/car-insurance/uninsured-motorist-coverage
  3. https://www.kyfb.com/insurance/insurance-products/automobile/money-saving-discounts/
  4. https://www.geico.com/save/discounts/car-insurance-discounts/
  5. https://www.nationwide.com/umbrella-insurance.jsp