I've had experiences with both companies, and honestly, it really does depend heavily on your local office and adjuster. State Farm was decent for me initially, but after a speeding ticket and a minor accident, my rates skyrocketed, and their customer service became noticeably less attentive. Farm Bureau, on the other hand, was surprisingly accommodating toward high-risk drivers—rates weren't exactly cheap, but they were transparent and responsive. I'd strongly recommend checking how each handles drivers with less-than-perfect records in your specific area before deciding.
Definitely agree it varies by location, but if you're budget-conscious and cautious about potential rate hikes, I'd suggest doing this: first, call each company and specifically ask how your exact infractions would affect your premiums. Then compare those numbers side-by-side...that's your safest bet.
"first, call each company and specifically ask how your exact infractions would affect your premiums."
Yeah, that's solid advice, but honestly, as someone who's had more than my fair share of speeding tickets (and one unfortunate mailbox incident—don't ask), I'd say there's more to it than just numbers. I was with State Farm for a while, and they were pretty chill about my first couple of slip-ups. But after ticket number three, things got ugly fast. Premiums shot up like a rocket, and suddenly I was paying through the nose.
Switched over to Farm Bureau after a buddy recommended them, and surprisingly, they've been way more forgiving. Not saying they'll ignore your record entirely, but they seemed less eager to punish me for past sins. Plus, their local agent actually took the time to chat and joke around about my "lead foot"—made the whole thing feel less like a lecture and more like a friendly roast.
So yeah, definitely call around, but also consider how each company treats you when things inevitably go sideways...because trust me, they probably will.
I've had experience with both companies, and I'd say it really depends on the local agents you're dealing with. State Farm was always professional and responsive for me, especially when I had a minor fender-bender with my Audi. But Farm Bureau definitely has that personal touch—my agent remembered my kids' names and even asked about our recent vacation. Premiums matter, sure, but don't underestimate the value of having someone who genuinely cares when things get stressful...
I get the appeal of personal attention, but realistically, when you're dealing with a claim, efficiency and cost matter most. I'd suggest comparing their online claim processes and response times carefully... personal touches are nice, but won't fix your car or lower your deductible.
