Best North Carolina Farm Bureau Car Insurance Discounts in 2025 (Save 25% With These Deals!)
The best North Carolina Farm Bureau car insurance provides up to 25% savings through bundling, safe driver, and low-mileage discounts. Policyholders lower costs by combining auto and home coverage, keeping a clean record, or completing a defensive driving course. Membership benefits add more ways to save.
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Heidi Mertlich
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Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
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UPDATED: Mar 26, 2025
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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: Mar 26, 2025
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.
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The best North Carolina Farm Bureau car insurance offers up to 25% savings with discounts for bundling, safe driving, and low mileage.
Our Top 10 Picks: Best North Carolina Farm Bureau Car Insurance Discount
| Discount | Rank | Savings Potential | Who Qualifies? |
|---|---|---|---|
| Bundling | #1 | 25% | Those combining auto with home or other policies |
| Safe Driver | #2 | 20% | Drivers with a clean record, no accidents |
| Multi-Car | #3 | 15% | Households insuring multiple vehicles |
| Good Student | #4 | 10% | Students (under 25) with a B average (3.0 GPA) or higher |
| Defensive Driving | #5 | 10% | Those completing an approved safety course |
| Paid-in-Full | #6 | 8% | Policyholders who pay upfront |
| Low Mileage | #7 | 8% | Drivers with low annual mileage |
| Safety Features | #8 | 5% | Owners of cars with safety features |
| Paperless | #9 | 5% | Those opting for digital billing |
| Membership | #10 | 5% | Members of certain groups or organizations |
NC Farm Bureau Insurance provides personalized coverage with options for multi-vehicle policies, defensive driving discounts, and membership perks that include home and auto bundling. Safe drivers see the biggest savings, while policyholders using the NCFBINS app can easily manage payments and claims.
Whether you need basic liability or full coverage, NC Farm Bureau Insurance delivers competitive rates with local agents ready to assist. Get the right car insurance at the best price — enter your ZIP code to shop for coverage from the top insurers.
- NC Farm Bureau offers 25% savings for bundling home and auto insurance
- Safe drivers earn big discounts with accident-free records and courses
- Low-mileage drivers save by verifying miles with NC Farm Bureau agents
Discount Eligibility Criteria With Farm Bureau Insurance
Each car insurance cover discount from Farm Bureau Insurance of N.C., Inc. has specific eligibility requirements that policyholders must meet. Understanding these criteria helps determine qualifications and the steps needed to secure savings. Factors affecting eligibility may include driving history, age, academic performance, vehicle safety features, and membership in certain organizations.
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North Carolina Farm Bureau Car Insurance Discounts & Savings
Car insurance discounts from the NC Farm Bureau car insurance help policyholders lower their premiums without reducing coverage. The safe driver discount rewards those with no at-fault accidents or traffic violations for a set number of years, while the multi-policy discount reduces costs for those who bundle auto insurance with homeowners, renters, or life insurance.
Households with two or more vehicles can qualify for the multi-vehicle discount, lowering the rate per car. Students under 25 who maintain a 3.0 GPA or higher can receive a good student discount, and low-mileage drivers may save with the low mileage discount, which applies to vehicles driven below a set annual mileage limit.
Eric Stauffer Licensed Insurance Agent
Each discount has specific eligibility requirements, which can include a report card, odometer reading, or proof of policy bundling. Reviewing and updating discounts and policies helps policyholders get the most savings possible while still being fully covered. Customers are advised to check with their North Carolina Farm Bureau agent to determine if they are eligible.
North Carolina Farm Bureau Car Insurance Rates by Age & Gender
North Carolina Farm Bureau car insurance rates differ based on age and gender, with 16-year-old male drivers paying the highest premiums at $310 per month, while females of the same age pay $275. Younger drivers face higher costs due to increased risk, but rates decrease significantly by age 25. At that point, females pay $145 per month, and males pay $160.
Raising your deductible can be an effective way to lower monthly premiums, especially for younger drivers facing higher insurance costs. As drivers age, monthly premiums continue to decline. By age 30, females pay $120, while males pay $130. At age 45, rates drop further to $105 for females and $110 for males.
Senior drivers have the lowest costs at $90 per month for females and $95 per month for males at age 60. These trends reflect broader industry trends, with younger and male drivers generally paying more because they have higher accident rates.
Types of Car Insurance Discounts Available With Farm Bureau Insurance
NC Farm Bureau Ins Group offers discounts for safe drivers, policy bundling, and low-mileage policyholders. Understanding these savings can help reduce premiums while maintaining affordable coverage. Exploring different types of car insurance coverage ensures the right protection. Check eligibility for discounts to maximize savings.
Safe Driver Discount
North Carolina Farm Bureau Insurance rewards drivers with accident-free records by offering lower rates. To qualify, you must maintain a clean driving history with no at-fault accidents or moving violations for at least three to five years. Even a minor infraction, like a speeding ticket, can disqualify you.
Maintaining continuous coverage without lapses is essential for eligibility. Some policyholders may need to enroll in telematics programs that track driving behavior. Safe driver car insurance discounts can lower premiums, though savings depend on individual records. Review your driving history and contact your NC Farm Bureau agent to verify eligibility.
Multi-Policy Discount
Policyholders can save on overall premiums when multiple policies—like auto and homeowners insurance—are bundled. The multi-policy discount works across all active policies on the same account and reduces costs on coverage types.
Enroll in E-Bill to get email and text alerts about your policy balance 2-3 weeks before the due date. This also makes you eligible for monthly payments, but you must ask your agent to activate the plan after enrolling—otherwise, your policy won’t switch to monthly billing automatically.
A lapse in any policy may result in losing the discount. The amount saved depends on the number and type of policies combined. Multi-policy car insurance discounts offer significant savings for bundling coverage. Reach out to your NC Farm Bureau agent to review your options and maximize your discount.
Good Student Discount
Young drivers under 25 with strong academic performance can qualify for the good student discount at NC Farm Bureau Insurance. A full-time student must maintain at least a 3.0 GPA (B average) or better. Proof of eligibility includes a report card, transcript, or official school statement.
Homeschooled students might need to submit standardized test scores to qualify. If a student’s grades fall below the required level, the good student car insurance discount will be removed. This discount helps families lower the cost of insuring young drivers. Parents should contact their NC Farm Bureau agent to verify eligibility and provide the necessary documents.
Multi-Vehicle Discount
Households with more than one car can benefit from multi-vehicle savings by insuring all vehicles under the same policy. To be eligible., vehicles must be registered to the same household and used for personal, non-commercial purposes. Removing a car from the policy may affect the discount.
The amount saved varies based on the number of insured vehicles and their coverage options. Families with multiple drivers can take advantage of car insurance by vehicle discounts to simplify coverage and reduce costs. To get started, reach out to your NC Farm Bureau agent for policy adjustments.
Low Mileage Discount
If you drive fewer miles than the average policyholder, you may be eligible for a low-mileage car insurance discount. NC Farm Bureau Insurance sets eligibility based on annual mileage limits, which may require submitting odometer readings or enrolling in a telematics program for verification.
This discount benefits remote workers, retirees, or individuals who use public transportation regularly. If your mileage increases beyond the set threshold, the discount may be revoked. To confirm eligibility or submit mileage verification, reach out to your NC Farm Bureau agent.
Anti-Theft Device Discount
A discount on auto insurance is possible on vehicles registered with an approved anti-theft device. Eligible devices are pull-out systems, factory-installed alarm systems, and GPS trackers or ignition immobilizers that block rogue access. Policyholders might be required to provide proof of installation—like a receipt or a manufacturer’s certification.
Since stolen vehicles lead to more insurance claims, insurers offer an anti-theft system car insurance discount to policyholders who install approved security devices. To verify which systems qualify and submit the required documentation, contact your NC Farm Bureau agent.
Defensive Driving Course Discount
Many insurance companies provide discounts to drivers who complete a state-certified defensive driving course. It must address accident prevention, hazard awareness, and safe driving techniques. This discount is sometimes available for older drivers or those that were mandated to take a class due to historical violations.
To qualify for a defensive driving course car insurance discount, policyholders must submit a certificate of completion. This discount is typically valid for a specific period before renewal is necessary. Contact your NC Farm Bureau agent to verify eligible courses.
Loyalty Discount
Long-term policyholders can save money through the NC Farm Bureau loyalty discount. To qualify, drivers must maintain continuous coverage with the company for a specific number of years. Those who also bundle home and auto policies may receive even greater savings.
Policy lapses or cancellations can cause you to lose your loyalty car insurance discounts. To understand how your time with NC Farm Bureau affects savings, check with your agent for specific eligibility details.
Military & Veteran Discount
Active-duty service members, reservists, and veterans can qualify for military discounts on their auto insurance. Policyholders must provide proof of military service, such as a military ID or DD-214 discharge papers. Some military members may also be eligible for low mileage discounts if they drive less due to deployments.
Changes in service status should be reported to ensure continued eligibility. Contact your NC Farm Bureau agent to apply and submit the necessary documents.
Farm-Use Vehicle Discount
Farmers who primarily use their vehicles for agricultural purposes can take advantage of the farm-use vehicle discount. Eligible vehicles include those registered for farm use, such as tractors, trucks, and equipment transport vehicles. The discount does not apply to personal or commercial-use vehicles.
Farmers seeking car insurance discounts through Farm Credit might have to show proof that they’re operating a farm, like a tax ID or documentation of business activity. Contact your NC Farm Bureau agent to verify your eligibility and see what kind of savings are available.
Affinity Group Discount
Policyholders who are part of certain professional organizations, trade associations, or alumni groups may qualify for an alumni car insurance discount. To be eligible, members must belong to an approved group and provide proof of membership, such as an ID card or a recent dues statement.
If a policyholder leaves the group, the discount may be removed at policy renewal. To verify membership eligibility and submit documentation, contact your NC Farm Bureau agent.
Bundling Home & Auto Discount
NC Farm Bureau Insurance provides discounts for bundling auto and NC Farm Bureau home insurance under the same provider. Both policies must stay active and in good standing. Canceling or transferring either policy removes the discount. Additional savings may be available for bundling renters or life insurance. Contact an NC Farm Bureau agent for a savings estimate.
Chris Tepedino Insurance Feature Writer
Taking advantage of North Carolina Farm Bureau Insurance discounts can lead to significant savings on car insurance premiums. Whether you qualify because you are a safe driver, through bundling policies, or because you have a long-term relationship with the insurer, these discounts provide practical opportunities to counter costs.
To ensure eligibility and maximize savings, policyholders should regularly review their policies and discuss discount options with their NC Farm Bureau Insurance agent.
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Best North Carolina Farm Bureau Car Insurance Discounts Compared
North Carolina Farm Bureau offers competitive car insurance discounts, including 25% for bundling, 30% for good drivers, and 15% for defensive driving. Compared to other top insurers, Nationwide provides the highest good driver discount at 40%, while Progressive leads in defensive driving savings at 31%.
North Carolina Farm Bureau Car Insurance Discounts From Top Providers
| Insurance Company | Bundling | Good Driver | Low Mileage | Defensive Driving | Membership |
|---|---|---|---|---|---|
 | 25% | 25% | 30% | 10% | 10% |
 | 25% | 25% | 20% | 10% | 10% |
 | 20% | 30% | 10% | 10% | 10% |
 | 25% | 26% | 30% | 15% | 8% |
 | 25% | 20% | 30% | 10% | 10% |
 | 20% | 40% | 20% | 10% | 15% |
 | 25% | 30% | 15% | 10% | 10% |
 | 10% | 30% | 30% | 31% | 15% |
 | 17% | 25% | 30% | 15% | 5% |
 | 13% | 10% | 20% | 20% | 10% |
Geico and Liberty Mutual offer up to 30% off for low-mileage drivers, making them strong choices for those who drive less. Farm Bureau matches Geico’s bundling discount at 25%, ensuring savings for customers with multiple policies. Membership discounts range from 5% with State Farm to 15% with Nationwide, benefiting policyholders who qualify.
Exploring the Benefits of Farm Bureau Insurance of N.C., Inc.
Farm Bureau Insurance of N.C., Inc. offers competitive auto insurance rates as well as coverage tailored to North Carolina drivers, tailored service, and exclusive discounts. Farm Bureau Insurance is region-focused, enabling its agents to work directly with members who often have unique coverage needs that are not often addressed by national providers. Key benefits include:
- Member-Exclusive Discounts: Policyholders can save on premiums through multi-policy bundling, safe driving records, low mileage usage, good student achievements, and more.
- Personalized Service: Every policyholder is assigned a local agent who provides guidance on coverage options, claims processing, and policy updates.
- Financial Stability: With an A- (Excellent) rating from A.M. Best, Farm Bureau Insurance of N.C., Inc. offers reliable coverage backed by strong financial security.
- Convenient Digital Access: Policyholders can manage their policies, file claims, and make payments through the NCFBINS mobile app and online customer portal.
- Additional Membership Perks: Farm Bureau members also earn discounts on hotels and rental cars, prescription medications, and more, in addition to car insurance.
By combining affordability, local expertise, and customer-focused service, Farm Bureau Insurance of N.C., Inc. stands out as a strong choice for North Carolina drivers looking for comprehensive coverage and savings opportunities.
NC Farm Bureau Member Perks: Exclusive Car Insurance Discounts & Savings
NC Farm Bureau membership benefits include exclusive car insurance discounts that help lower premiums. For $25 per year, members and their households gain access to savings on multi-policy bundling, multiple vehicle coverage, safe driving incentives, and defensive driving course discounts that can lower rates. These benefits provide policyholders with more ways to reduce insurance costs while maintaining quality coverage.
NC Farm Bureau member discounts include lower rates for policyholders based on mileage, academic performance, and vehicle security features like anti-theft devices. Members also get savings on travel, prescription medications, and other financial benefits beyond car insurance. Policyholders should check eligibility and review available options with a local NC Farm Bureau agent.
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How to Save Money on Car Insurance With North Carolina Farm Bureau Insurance
Finding cheap car insurance can be costly, but you can save on premiums with North Carolina Farm Bureau Insurance Group’s many discount options. Being a safe driver, owning multiple policies, or driving fewer miles won’t eliminate your insurance bill, but taking advantage of any discounts available to you can save you a heap of money. Five ways you can scale back your costs:
- Bundle Multiple Policies: Combine auto insurance with homeowners, renters, or life insurance to qualify for a multi-policy discount. This reduces premiums on all bundled policies.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to qualify for the Safe Driver Discount, which rewards drivers with a history of responsible driving.
- Insure Multiple Vehicles on One Policy: Households with two or more vehicles can receive the Multi-Vehicle Discount, reducing the rate for each insured car.
- Limit Annual Mileage: If you drive fewer miles, you may qualify for the Low Mileage Discount. Policyholders may need to submit odometer readings or telematics data for verification.
- Take Advantage of Student Discounts: Full-time students under 25 with a B average (3.0 GPA or higher) can get the Good Student Discount, which helps lower premiums for young drivers.
Taking advantage of available discounts helps lower costs without reducing coverage. If you’re wondering how much car insurance is, reviewing your policy regularly can help identify savings opportunities. Updating your insurer about any changes that might qualify you for additional discounts can also make a difference. For a personalized review of your options, contact your NC Farm Bureau Insurance agent.
Benefits of Bundling Multiple Vehicles With NC Farm Bureau Insurance
Bundling multiple vehicles under one policy with the North Carolina Farm Bureau can lead to significant savings. If you’re wondering how the insurance company determines my premium, factors like the number of vehicles insured, driving history, and coverage levels all play a role. This multi-vehicle discount is especially beneficial for families or individuals with multiple cars.
By taking advantage of the car insurance discounts offered by Farm Bureau Insurance of N.C., Inc., drivers can save money while ensuring their vehicles are adequately protected. It’s essential to review your policy, understand your eligibility criteria, and explore the various discounts available. By doing so, you can make informed decisions and secure the best possible car insurance coverage at the most affordable price.
Maximizing Your North Carolina Farm Bureau Insurance Benefits
More than simple coverage, North Carolina Farm Bureau Insurance offers discounts, membership benefits, and tools like the NCFBINS app to help manage policies. If you’re looking to learn how to save on car insurance, bundling policies, maintaining a clean driving record, and utilizing available discounts, you can lower your premiums. Explore options with an NC Farm Bureau agent to maximize your savings.
Whether bundling home and auto insurance, taking advantage of E-Billing for automated payments, or qualifying for safe driver discounts, policyholders can customize their coverage to fit their needs. Reviewing available benefits regularly and working with a local agent ensures members maximize savings and maintain the right level of protection.
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Frequently Asked Questions
What NC Farm Bureau auto discounts are available?
NC Farm Bureau offers discounts for safe driving, policy bundling, and low mileage. Discounts include a safe driver for a clean record, a good student for a 3.0+ GPA, and low mileage for reduced driving. Additional savings apply for bundling auto and home insurance, insuring multiple vehicles, or installing anti-theft devices.
How do I qualify for the NC Farm Bureau safe driver discount?
To qualify, you must have no at-fault accidents or moving violations for at least three to five years. If you maintain a clean driving record and avoid claims, your premium will be lower. However, even a minor speeding ticket could impact your eligibility. Some policies may also use telematics tracking to monitor safe driving habits.
Who can get the NC Farm Bureau good student discount?
Auto insurance for students includes discounts for full-time students under 25 who maintain a 3.0 GPA or higher. To qualify, parents or students must submit a report card, transcript, or an official school letter. Homeschooled students may need to provide standardized test scores. If grades fall below the requirement, the discount is removed at the next policy renewal.
How does the NC Farm Bureau low mileage discount work?
Drivers who log fewer miles annually may receive lower rates. NC Farm Bureau typically defines low mileage as driving less than 7,500-10,000 miles per year. To qualify, policyholders may need to submit odometer readings or enroll in a telematics program that tracks mileage. If annual mileage increases, the discount may be removed upon renewal.
Does NC Farm Bureau auto insurance offer a military discount?
Yes, the NC Farm Bureau provides a military discount to active-duty service members, veterans, and reservists. To apply, policyholders must submit a military ID, DD-214 discharge papers, or other proof of service. This discount applies to personal vehicles and varies based on service status and coverage type.
How do I get an NC Farm Bureau auto insurance quote with discounts?
To receive accurate insurance quotes online, you’ll need to provide details such as your driving history, vehicle information, and estimated annual mileage. NC Farm Bureau agents apply any eligible discounts when generating your quote. You can request a quote online, over the phone, or by visiting a local NC Farm Bureau office.
What are the NC Farm Bureau benefits of bundling auto and home insurance?
Bundling auto and home insurance with NC Farm Bureau can lower your overall premium by a significant percentage. It also simplifies policy management and may offer additional coverage perks. Both policies must be active and in good standing. If you cancel one, the discount is removed.
What is the NC Farm Bureau’s 24-hour number for customer support?
The NC Farm Bureau’s 24-hour number for claims and roadside assistance is 1-800-226-6383. This number is available 24/7 for claims reporting, while general customer service operates during standard business hours.
Does NC Farm Bureau renters insurance offer bundling discounts with auto policies?
Yes, policyholders who combine auto and renters insurance with NC Farm Bureau may receive a multi-policy discount. This can reduce costs on both policies while keeping coverage under one provider. The discount amount depends on your policy details and coverage limits.
Does North Carolina Farm Bureau auto insurance offer roadside assistance?
Yes, North Carolina Farm Bureau roadside assistance provides services such as towing, battery jump-starts, lockout assistance, and flat tire changes. This coverage is optional and can be added to an auto policy for an additional fee. Services are available 24/7, and the program covers all insured vehicles under your policy.
What happens if I no longer qualify for an NC Farm Bureau auto discount?
If you no longer meet the eligibility requirements for a discount—such as exceeding the low mileage limit, losing good student status, or receiving traffic violations—the discount is removed at your next renewal period. Your premium will be adjusted accordingly. It’s important to discuss with your NC Farm Bureau agent if other discounts might apply.
Can I get a North Carolina Farm Bureau auto insurance discount for vehicle safety features?
Yes, the NC Farm Bureau provides safety features and car insurance discounts for vehicles equipped with anti-lock brakes, airbags, lane departure warnings, electronic stability control, and anti-theft devices. The discount amount depends on the vehicle’s make, model, and year. Policyholders may need to submit proof of installation or vehicle specifications to qualify.
How does Farm Bureau Insurance NC verify eligibility for auto discounts?
Eligibility for discounts is verified using driving records, insurance history, school transcripts, vehicle mileage reports, and telematics tracking (if applicable). For multi-policy discounts, policies must remain active. Random audits may occur to confirm that policyholders still meet discount criteria.
Are discounts available for young drivers under NC Farm Bureau auto insurance?
Yes, in addition to the good student discount, young drivers may qualify for driver training discounts if they complete an approved defensive driving course. NC Farm Bureau may also offer discounts for adding a young driver to a family policy instead of purchasing a separate policy.
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Can you get a discount on car rental with Indiana Farm Bureau Insurance if you’re an NC Farm Bureau member?
Yes, Indiana Farm Bureau Insurance offers rental car discounts, and NC Farm Bureau members may qualify through reciprocal membership benefits. These discounts depend on the rental company’s partnership with Farm Bureau Insurance affiliates. If you’re looking for car insurance for rental reimbursement coverage, check with your NC Farm Bureau agent or the Indiana Farm Bureau customer service team to confirm eligibility.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
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.
