Farm Bureau Insurance of Tennessee Reviews 

We have been loyal customers for over 13 years, maintaining excellent driving records with no accidents, speeding tickets, or major insurance claims. The only recent claims we made were for two windshield replacements totaling approximately $900, neither of which was our fault.
Despite our excellent history, our insurance premiums just instantly increased by a shocking 43%!
To make matters worse, our experience with customer service representative Sabrina Smithson was extremely disappointing and unprofessional. During our conversation, I could hear laughter on the other end of the line. She also made a comment about how the company had paid for our windshield replacements, as though we should be grateful for receiving the coverage we have been paying for all these years.
Excuse me, but isn’t that exactly what insurance is for? We have faithfully paid our premiums for more than 13 years without major claims. Insurance companies don’t simply give customers money out of generosity. We pay for coverage, and when legitimate claims arise, we expect that coverage to be honored without being made to feel guilty.
We have bundled our auto, homeowners, and life insurance policies, paying more than $6,000 annually to this company for these past few years. Estimated giving them more than $50,000 in premiums over 13 years, and this is how our loyalty and responsible driving are rewarded?
A 43% premium increase, dismissive customer service, and a complete lack of appreciation for longtime customers.
Loyalty should mean something. Safe driving should mean something. Treating customers with professionalism and respect should be the bare minimum.
After more than 13 years, we are seriously questioning why we should continue giving our hard-earned money to a company that treats loyal, responsible customers this way.
If you’re considering this insurance company, think carefully about how longtime customers may be treated when they actually need to use the coverage they’ve been paying for.

Was paying premiums twice the amount of other insurance companies & they are always putting new policies/ procedures in place. I had been with them for over 15 years. I believe them to be a fraudulent company so shop your rates, you are most likely paying double if you are using Farm Bureau.

One of the worse in the industry, rude customer service and they will charge you to death, specially with their stupid mandatory membership fees!

I am formally documenting my experience with Tennessee Farm Bureau Insurance after more than 10 years as a customer, because at this point this is no longer a customer service issue—it is a systemic failure with real financial consequences.
Over the past several months, this company has repeatedly charged bank accounts that were explicitly removed with signed authorization. These unauthorized drafts resulted in bank fees and financial disruption that I was forced to resolve on my own. This has occurred multiple times despite clear documentation on file.
In addition, I have been stuck in an ongoing cycle where I am required to continually resubmit payment information, only for my policy to be canceled anyway for “no payment method on file.” This is not a one-time error—this is a pattern of mismanagement that reflects serious internal breakdowns.
The most concerning issue is the premature cancellation of my policy without proper notice and before the stated grace period expired. I was explicitly told I had additional time to make payment, yet my policy was still terminated early. This creates a situation where a customer could be unknowingly uninsured, which carries significant legal and financial risk.
At this point, I am requesting:
A formal explanation of how unauthorized charges continued after documented removal of payment methods
A review of internal billing and cancellation procedures
Clarification on how policies are being canceled prior to communicated grace periods
This review is not written lightly. After a decade of business, I have lost all confidence in this company’s ability to manage even the most basic account functions.
I strongly encourage others to closely monitor their accounts and document every interaction, because based on my experience, errors are not only possible—they are repeated.
This situation warrants attention beyond a standard customer service reply. I expect accountability.