Farm Bureau membership gives you discounts on insurance, financial services, and everyday purchases, plus access to advocacy and community programs

Farm Bureau is a membership organization that operates in all 50 states, though each state's Farm Bureau is independent. Unlike AARP, which focuses on age-based membership, Farm Bureau serves farmers, ranchers, and rural landowners—though some state chapters allow non-farmers to join. Your membership benefits depend on which state you live in, because each state Farm Bureau negotiates its own partnerships with insurance companies, retailers, and service providers.

The core benefits fall into three categories: insurance discounts (auto, home, life), financial products (banking, investment services), and retail discounts (gas, groceries, hotels). Many state chapters also offer legal services, tax preparation help, and community programs. The cost of membership varies by state, typically ranging from $50 to $200 per year, though some chapters charge more for family memberships or offer discounts for young farmers.

Key Takeaways

  • Farm Bureau membership is state-specific, so your available benefits depend on which state's chapter you join, not a national program.
  • Insurance discounts through partners like Nationwide and State Farm are the most commonly used benefit, but rates and coverage options vary by state.
  • Retail discounts cover gas, groceries, hotels, and restaurants through partnerships that change by location—check your state's website to see current offers.
  • Some state chapters offer legal services, tax help, and farm-specific programs like equipment discounts or commodity market information.

Insurance Discounts and How They Work

Most state Farm Bureaus partner with major insurers—commonly Nationwide, State Farm, or regional carriers—to offer members discounted rates on auto, home, and life insurance. The discount amount is not set nationally; each state negotiates separately, and rates depend on your driving record, home value, and other standard underwriting factors. You do not automatically receive a discount just by being a member—you still need to get a quote and meet the insurer's underwriting standards.

To use an insurance discount, contact the insurance partner listed on your state Farm Bureau's website or call the member services number on your membership card. You will provide your information to the insurer, not to Farm Bureau. The insurer then quotes you a rate that includes the Farm Bureau member discount. Some state chapters also offer bundling discounts if you insure multiple properties or vehicles with the same company.

Life insurance through Farm Bureau is typically term life, offered at group rates that are lower than individual quotes. Rates still depend on your age and health, and you may need to pass medical underwriting. Homeowners and auto insurance usually do not require medical underwriting, but rates vary significantly by location, claims history, and the value of what you are insuring.

Retail and Service Discounts

Farm Bureau negotiates discounts with national and regional retailers, gas stations, hotel chains, and restaurants. Common partners include Lowe's, Best Buy, Hertz rental cars, and various hotel chains, though the specific retailers and discount amounts differ by state. Some state chapters offer fuel discounts at partner stations, which can save 5 to 15 cents per gallon depending on the partnership and current fuel prices.

Grocery discounts are available in some states through partnerships with regional supermarket chains. These typically work through a digital coupon or member card that you present at checkout. Discount amounts are usually modest—often 5 to 10 percent on select items—and the participating stores vary by state and region.

To find current discounts, log into your state Farm Bureau's member portal or call member services. Many state chapters publish a discount directory online that lists all current partners, discount codes, and how to redeem them. Discounts change periodically as partnerships shift, so checking the directory before making a purchase can help you find savings you did not know about.

Financial Services and Banking Options

Some state Farm Bureaus offer financial services including banking, investment accounts, and credit cards through partner institutions. These are not Farm Bureau's own products—they are offered by banks and investment firms that have negotiated member rates. For example, some chapters offer credit cards with cash-back rewards or reduced interest rates, or checking accounts with waived fees for members.

Investment and retirement services vary widely by state. Some chapters partner with financial advisors who offer discounted planning services to members, while others offer access to brokerage accounts or mutual funds at reduced fees. Before opening any account, compare the terms and fees to what you could get elsewhere, because the "member discount" is only valuable if the underlying product is competitive.

Legal Services and Tax Preparation

Many state Farm Bureaus offer discounted legal consultations or document preparation through partner law firms. Services typically include will preparation, real estate document review, and basic business law information. The discount is usually a reduced hourly rate or a flat fee for common documents. Some chapters offer unlimited legal consultations for a set annual fee, though complex matters may cost more.

Tax preparation discounts are available in some states through partnerships with tax preparation firms or through Farm Bureau's own tax service. These discounts typically explore to basic returns; complex agricultural tax situations may require a specialist and cost more. Check whether your state chapter offers this service and whether it covers farm-specific deductions and depreciation schedules.

Farm-Specific Programs and Advocacy

Beyond consumer discounts, Farm Bureau chapters offer programs tailored to agricultural operations. These include commodity market information, equipment discounts (through partnerships with John Deere, AGCO, and other manufacturers), and farm management resources. Some chapters host workshops on crop insurance, soil conservation, and agricultural regulations.

Farm Bureau also engages in state and federal advocacy on agricultural policy, trade, and land-use issues. As a member, you receive updates on policy positions and can participate in grassroots advocacy efforts. This is distinct from the consumer benefits—it is the organization's core mission—but it is part of what your membership supports.

How to Find and Use Your State's Benefits

Start by visiting your state Farm Bureau's website. Each state chapter maintains its own site with a member portal, discount directory, and contact information. You will need your membership number, which is on your membership card or in your welcome materials. If you do not have this information, call your state chapter's member services line.

Most state chapters offer a mobile app or online portal where you can view all current discounts, search by category (insurance, retail, dining), and access digital coupons or discount codes. Some discounts require you to show your membership card in person; others require you to enter a code online or call a specific number to receive the discount.

If you are new to Farm Bureau, your state chapter usually sends a welcome packet with a discount guide, membership card, and instructions for accessing the member portal. If you did not receive this, contact member services and ask for a printed or digital discount directory.

Frequently Asked Questions

Do I have to be a farmer to join Farm Bureau?

Most state chapters require membership in a farm or ranch operation, but definitions vary. Some allow acreage owners, hobby farmers, or rural landowners to join. A few states allow non-farmers to join as "associate members" with limited benefits. Contact your state chapter to ask whether you meet their membership criteria.

Can I use Farm Bureau insurance discounts if I already have insurance?

Yes. You can get a quote from a Farm Bureau partner insurer at any time, even if you currently have coverage elsewhere. There is no penalty for switching, though you may want to check your current policy's cancellation terms. The new insurer will handle the switch if you decide to move your coverage.

How much can I save with Farm Bureau discounts?

Savings vary widely by state, discount type, and your personal situation. Insurance discounts typically range from 5 to 25 percent depending on the insurer and your profile. Retail discounts are usually smaller—5 to 15 percent on select items. The best way to know your potential savings is to get quotes and check the discount directory for your state.

What happens to my membership if I move to a different state?

Your membership ends when you move, because each state has its own independent Farm Bureau. You can join the new state's chapter, but you will need to explore separately and may have different benefits and membership costs. Contact the new state's chapter to learn about their membership requirements and benefits.

Can I cancel my membership anytime?

Yes. Membership is typically month-to-month or annual, and you can cancel by contacting your state chapter's member services. Some chapters may require written notice or have a cancellation process outlined in your membership agreement. Check your welcome materials or call member services to learn your state's cancellation policy.