Auto Insurance Comparison
Kentucky Farm Bureau vs National General
Side-by-side comparison of Kentucky Farm Bureau vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Kentucky Farm Bureau comes out clearly ahead National General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Kentucky Farm Bureau | National General | |
|---|---|---|
| Overall score | 3.95 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Kentucky Farm Bureau Mutual is Kentucky's largest auto insurer by market share | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Kentucky Farm Bureau review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Kentucky Farm Bureau | National General |
|---|---|---|
| Customer experience | 4.20 | 3.40 |
| Coverage breadth | 3.70 | 3.70 |
| Affordability | 4.00 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Kentucky Farm Bureau
Full review →Pros
- Largest auto insurer in Kentucky by market share
- Competitive rates for clean-record drivers in-state
- Strong statewide agent network
- Multi-line bundling discounts
Cons
- Kentucky only — not available in any other state
- Farm Bureau membership required
- No online quoting — agent only
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Kentucky Farm Bureau
National General
The bottom line
Kentucky Farm Bureau
Kentucky residents should absolutely get a Kentucky Farm Bureau quote. As the state's largest auto insurer, it competes seriously on price.
Read the full Kentucky Farm Bureau reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.