National Farmers Union Insurance Review & Ratings (2024)

Gain valuable insurance insights and explore National Farmers Union Insurance for comprehensive coverage options and expert guidance—your trusted resource for reliable information and peace of mind in the insurance world. With our extensive knowledge, you can make informed decisions and protect what matters most to you and your family.

UPDATED: Dec 18, 2023Fact Checked

Imani Francies

Insurance and Finance Writer

Imani Francies is a finance and insurance writer who has strong media and communication skills with a bachelor's degree from Georgia State University. She began her writing career freelancing with various blogs and internships while working full-time as an early childhood educator. She has significant experience in both print and online media as a writer, editor, and author. She works efficient...

Insurance and Finance Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Dec 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 18, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 18, 2023Fact Checked
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National Farmers Union Insurance

Average monthly rate for good drivers:

$100

A.M. Best rating:

B+

Complaint level:

Low

Pros

  • Competitive and fair rates
  • Specialized coverage options for rural communities, including farmers and ranchers
  • Commitment to supporting sustainable agriculture practices
  • User-friendly mobile app for convenient account management

Cons

  • Some customers reported issues with claims processing, customer service, or billing
  • Negative experiences with occasional unexpected rate increases

Final Verdict: Review of National Farmers Union Insurance

National Farmers Union (NFU) Insurance generally receives positive customer reviews, with many customers praising the company’s competitive rates, personalized service, and commitment to rural communities.

Some customers appreciate the company’s specialized coverage options that can be tailored to meet individual needs, while others appreciate the company’s charitable initiatives. However, some negative reviews have been reported, with customers experiencing issues with claims processing, customer service, or billing.

It’s important to keep in mind that customer experiences with NFU can vary depending on a variety of factors, including the specific product or service being offered, the individual agent or representative handling the account, and the customer’s individual circumstances.

While customer reviews can be a helpful tool for evaluating an insurance provider, it’s best to consider them alongside other factors such as cost, coverage options, and reputation. Overall, NFU is a reputable insurance provider that offers affordable coverage options for rural communities in 17 states across the United States.

What You Should Know About National Farmers Union Property and Casualty Company

Address: 300 West 11th Street
City: Kansas City
State: MO
ZIP Code: 64105
Phone Number: (816) 391-2000
Fax: (816) 391-2083
Website: americo.com

AM Best Rating: B+

Welcome to our comprehensive guide on National Farmers Union Insurance and everything you need to know about securing reliable coverage for your needs. We will delve into the key topics such as understanding insurance policies, coverage options offered by National Farmers Union Insurance. Expert guidance on selecting the right plan, and tips for maximizing your insurance benefits.

Whether you’re seeking auto, home, or life insurance, our aim is to provide you with valuable insights to make informed decisions. To ensure you find the best insurance rates tailored to your location, we encourage you to enter your zip code below and compare quotes from top insurance providers. Take the first step towards protecting what matters most to you by finding the perfect insurance solution.

National Farmers Union Insurance History and Mission

National Farmers Union Insurance (NFU) has a long history of providing insurance solutions to farmers and ranchers in the United States. The company was established in 1945 as a subsidiary of the National Farmers Union, a non-profit organization founded in 1902 to advocate for the economic and social welfare of family farmers and ranchers.

NFU initially offered a range of insurance products for farmers, including crop insurance and liability coverage for farm operations. Over time, the company expanded its offerings to include auto insurance policies, recognizing the need for affordable and comprehensive coverage for rural drivers.

Today, NFU’s mission is to provide reliable and affordable insurance solutions to rural communities and support sustainable agriculture practices. The company is committed to promoting eco-friendly insurance products and encouraging customers to reduce their carbon footprint. NFU also supports rural communities by investing in local programs and organizations that promote sustainable agriculture and rural development.

In addition to its insurance products, NFU is also active in advocating for policy changes that benefit family farmers and ranchers. The National Farmers Union works with lawmakers and other organizations to support policies that promote family farm agriculture, including programs that provide assistance to small and medium-sized farms and initiatives that support sustainable farming practices.

Overall, National Farmers Union Insurance is an organization with a rich history and a strong commitment to serving rural communities and promoting sustainable agriculture practices. The company’s dedication to providing affordable and comprehensive insurance solutions to rural drivers, along with its advocacy work on behalf of family farmers and ranchers, make it a unique and valuable resource for those living in rural areas.

National Farmers Union Property and Casualty Company Insurance Coverage Options

National Farmers Union Insurance (NFU) offers a range of insurance products and services designed to meet the needs of rural communities in the United States. Here are some of the main products and services offered by the company:

  • Auto insurance: NFU offers standard auto insurance coverage, including liability, collision, and comprehensive coverage, as well as specialized policies for farm vehicles, classic cars, and motorcycles. The company’s auto insurance policies also include a range of discounts for safe driving, multi-vehicle policies, and other factors.
  • Homeowners insurance: NFU offers homeowners insurance policies to protect homes and personal property against damage or loss. The company’s policies also include liability coverage, which provides protection in the event that someone is injured on your property.
  • Crop insurance: NFU provides crop insurance policies to farmers and ranchers, helping to protect against weather-related losses, pests, and other risks that can impact crop yields. The company’s crop insurance policies are designed to provide affordable coverage to small and medium-sized farmers.
  • Commercial insurance: NFU offers a range of commercial insurance policies to protect businesses against various risks, including liability, property damage, and employee injuries. The company’s commercial insurance policies can be customized to meet the unique needs of each business.
  • Life insurance: NFU provides life insurance policies to protect families and loved ones in the event of a policyholder’s death. The company’s life insurance policies include term life insurance, whole life insurance, and universal life insurance.
  • Health insurance: NFU offers health insurance policies for individuals and families, providing coverage for medical expenses, hospitalization, and other health-related costs. The company’s health insurance policies can be customized to meet the unique needs of each individual or family.

NFU’s insurance products and services are currently available in 17 states across the country, including Colorado, Illinois, Kansas, Minnesota, and Texas. The cost of NFU’s insurance policies varies depending on factors such as the type of coverage, the location of the policyholder, and the policyholder’s individual risk factors.

States Where National Farmers Union Insurance is Offered

National Farmers Union Insurance (NFU) provides insurance coverage in 17 states across the United States. These states are:

  • Colorado
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Minnesota
  • Montana
  • Nebraska
  • New Mexico
  • North Dakota
  • Oklahoma
  • Oregon
  • South Dakota
  • Texas
  • Utah
  • Wyoming

It’s worth noting that the specific insurance products and services offered by NFU may vary depending on the state. For example, some states may have restrictions on the types of insurance that can be offered or may require additional coverage options. Additionally, the cost of insurance with NFU may vary depending on the state, as insurance rates are often regulated at the state level.

If you’re interested in purchasing insurance from NFU, it’s best to contact the company directly or visit their website to see what products and services are available in your state. This will allow you to get a customized quote based on your specific circumstances and insurance needs.

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National Farmers Union Property and Casualty Company Insurance Rates Breakdown

The cost of insurance with National Farmers Union (NFU) varies depending on a variety of factors, including the type of coverage, the location of the policyholder, and the policyholder’s individual risk factors.

That being said, NFU is known for offering affordable insurance options for rural communities, including farmers and ranchers. The company prides itself on offering rates that are competitive and fair, and it offers a range of discounts to help policyholders save money on their premiums.

To get an accurate quote for NFU insurance, it’s best to contact the company directly or use their online quote tool. This will allow you to input your personal information, coverage needs, and other relevant details to get a customized quote based on your specific circumstances.

National Farmers Union Property and Casualty Company Discounts Available

NFU offers a range of discounts to help policyholders save money on their premiums. These discounts can vary depending on the state and the type of policy, but some common discounts include:

  • Safe driver discount: This discount is for policyholders who maintain a clean driving record
  • Multi-vehicle discount: This discount is for policyholders who insure more than one vehicle with NFU
  • Multi-policy discount: This discount is for policyholders who bundle their insurance policies with NFU
  • Good student discount: This discount is for policyholders who maintain good grades in school
  • Anti-theft device discount: This discount is for policyholders who install approved anti-theft devices in their vehicles

Overall, while the cost of insurance with NFU will vary depending on your individual circumstances, the company is known for offering affordable rates and a range of discounts to help policyholders save money on their premiums.

Navigating National Farmers Union Insurance Claims Process

Ease of Filing a Claim

National Farmers Union Insurance offers multiple convenient options for filing insurance claims. Policyholders can file claims through their online portal, over the phone with a customer service representative, or by using the mobile app. This flexibility ensures that customers can choose the method that suits them best, making the claims process more accessible and user-friendly.

Average Claim Processing Time

The average claim processing time with National Farmers Union Insurance is competitive, with most claims being handled efficiently. The company understands the importance of a prompt resolution, particularly in rural communities where insurance coverage can be vital for maintaining livelihoods.

Policyholders can expect their claims to be processed in a timely manner, providing them with peace of mind during stressful situations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts has generally been positive. Many policyholders have praised the company for its fair and efficient handling of claims. National Farmers Union Insurance strives to provide personalized support to its customers during the claims process, ensuring that they receive the coverage they need.

However, as with any insurance provider, there may be occasional negative experiences reported, highlighting the importance of thorough communication and documentation during the claims process.

Exploring Digital and Technological Features of National Farmers Union Insurance

Mobile App Features and Functionality

National Farmers Union Insurance offers a user-friendly mobile app that allows policyholders to access their accounts, file claims, make payments, and view policy details on the go. The app provides a convenient way for customers to manage their insurance needs from their smartphones, enhancing accessibility and convenience.

Online Account Management Capabilities

The online account management system offered by National Farmers Union Insurance empowers customers to take control of their policies. Policyholders can log in to their accounts through the company’s website to view policy documents, update personal information, make payments, and track the status of claims.

This digital platform streamlines the insurance management process and provides customers with easy access to important information.

Digital Tools and Resources

National Farmers Union Insurance offers a range of digital tools and resources to help customers make informed decisions about their insurance coverage. These tools may include calculators for estimating insurance needs, informative articles, and educational resources on various insurance topics.

By providing these digital resources, the company supports its customers in understanding their insurance options and making choices that align with their needs and preferences.

How National Farmers Union Property and Casualty Company Ranks Among Providers

As you explore National Farmers Union Insurance for comprehensive coverage options and expert guidance, it’s essential to understand the competitive landscape in the insurance industry. Several companies compete with National Farmers Union Insurance, offering similar services and catering to diverse customer needs.

Here are some of the main competitors and understand why they pose competition to National Farmers Union Insurance:

  • State Farm: State Farm is a major player in the insurance industry, offering a wide range of products, including auto, home, and life insurance. With a vast network of agents and a strong online presence, State Farm competes by providing personalized service, competitive rates, and a variety of coverage options.
  • Farmers Insurance Group: Farmers Insurance, like National Farmers Union Insurance, has a focus on serving rural communities and providing insurance solutions for farmers. With a comprehensive range of products, Farmers Insurance competes by offering customizable policies, innovative coverage options, and a strong commitment to customer service.
  • Allstate: Allstate is known for its diverse insurance offerings, including auto, home, and life insurance. The company competes with National Farmers Union Insurance through its extensive network of agents, competitive rates, and innovative tools and resources. Allstate’s strong brand presence is also a factor in its competitive stance.
  • Progressive: Progressive is a prominent player in the auto insurance market, known for its innovative approaches and user-friendly online tools. As a competitor to National Farmers Union Insurance, Progressive offers competitive rates, a variety of discounts, and a focus on technology to attract and retain customers.
  • American Family Insurance: American Family Insurance competes with National Farmers Union Insurance by offering a range of insurance products, including auto, home, and life insurance. The company emphasizes personalized service, community engagement, and a commitment to customer satisfaction.

While National Farmers Union Insurance has a unique focus on serving rural communities and supporting sustainable agriculture practices, its competitors are strong players with diverse offerings and extensive service networks.

Understanding the strengths and areas of focus of these competitors can help you make informed decisions when exploring insurance options. Always consider factors such as coverage, rates, customer service, and any unique features offered by each company before making a decision.

Customer Reviews of National Farmers Union Insurance

Customer reviews of National Farmers Union (NFU) Insurance are generally positive, with many customers praising the company’s affordable rates, personalized service, and commitment to supporting rural communities. However, as with any insurance provider, there are also some negative reviews from customers who have had negative experiences with the company.

Positive reviews:

NFU often mention the company’s competitive rates and helpful customer service. Many customers appreciate the fact that NFU specializes in serving rural communities, including farmers and ranchers, and that they offer personalized coverage options that can be tailored to meet individual needs. Some customers also appreciate the company’s commitment to giving back to the community through various charitable initiatives.

Negative reviews:

NFU often focus on issues with claims processing, customer service, or billing. Some customers have reported difficulty getting in touch with the company or delays in getting their claims processed, while others have reported unexpected rate increases or billing errors.

It’s worth noting that customer experiences with NFU can vary depending on a variety of factors, including the specific product or service being offered, the individual agent or representative handling the account, and the customer’s individual circumstances.

While customer reviews can be a helpful tool for evaluating an insurance provider, it’s important to keep in mind that they represent only a small sample of overall customer experiences and should be considered alongside other factors such as cost, coverage options, and reputation.

Frequently Asked Questions

What is National Farmers Union Insurance?

National Farmers Union Insurance (NFU) is a car insurance company that offers policies to drivers in select states across the United States. It was established in 1945 as a subsidiary of the National Farmers Union, a non-profit organization founded in 1902 to advocate for the economic and social welfare of family farmers and ranchers. NFU’s mission is to provide reliable and affordable insurance solutions to rural communities and support sustainable agriculture practices.

What insurance products does National Farmers Union Insurance offer?

National Farmers Union Insurance offers a range of insurance products and services designed to meet the needs of rural communities in the United States. The main products and services offered by the company include auto insurance policies, farm and ranch insurance, crop insurance, home insurance, and commercial insurance.

Where is National Farmers Union Insurance available?

NFU’s insurance products and services are currently available in 17 states across the country, including Colorado, Illinois, Kansas, Minnesota, and Texas.

What is the cost of coverage with National Farmers Union Insurance?

The cost of insurance with National Farmers Union Insurance varies depending on a variety of factors, including the type of coverage, the location of the policyholder, and the policyholder’s individual risk factors. NFU offers rates that are competitive and fair, and it offers a range of discounts to help policyholders save money on their premiums. To get an accurate quote for NFU insurance, it’s best to contact the company directly or use their online quote tool.

What discounts does National Farmers Union Insurance offer?

NFU offers a range of discounts to help policyholders save money on their premiums. These discounts can vary depending on the state and the policy type, but they may include discounts for bundling multiple policies, having multiple vehicles insured, being a safe driver, being a loyal customer, and completing defensive driving courses. It’s best to check with the company directly to see what discounts may be available for your policy.

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Imani Francies

Insurance and Finance Writer

Imani Francies is a finance and insurance writer who has strong media and communication skills with a bachelor's degree from Georgia State University. She began her writing career freelancing with various blogs and internships while working full-time as an early childhood educator. She has significant experience in both print and online media as a writer, editor, and author. She works efficient...

Insurance and Finance Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for National Farmers Union Property and Casualty Company

4.16 (13 reviews)
5
January 28, 2018

tambass81

All around great company

Great company! They have provided insurance for my pickup and horse trailer and also for my parents farm for as long as I can remember. They always have great customer service and I think their rates are very reasonable. In over ten years of serviceI have not one complaint about them.
3
January 12, 2018

YOA

INSURANCE

It is an amazing insurance company. I had a few car crashes and they covered it to my liking. Very good! I recommend it to all.
5
December 21, 2017

Invega

Former Inusrance Holder

It was good for the time being my coverage was active. I like the way the Company provide updated information for their customers
3.5
August 11, 2017

MTMuffinman

Good but pricey

I hAve a straight liability policy with my fiance, and even with no accidents, they are still charging over $60\month
4
August 4, 2017

shinobi

Nice customer service

If you ever have a question about coverage or insurance amounts, the customer service department is knowledgeable and impartial.
5
July 24, 2017

jamari2300

perfect

best decision i ever made, If you dont all ready, i recommend you get this insurance . It makes all your problems go away :)
3.5
June 10, 2017

Jaiarr

Small Town Deals

Nothing in my area except for this company- windshield claims are outrageous around here! Richard Gehrke is a nice guy and takes time to meet whenever it is the most convenient for the customer. He works hard and sponsors the local food banks and other community events.
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