Sometimes Kentucky Farm Bureau is cheaper, sometimes Erie Insurance is cheaper. It depends on your specific home, drivers, credit tier, and claim history. Kentucky Farm Bureau tends to price competitively for members with clean records and standard risks. Erie tends to win on households wanting Rate Lock on auto, Guaranteed Replacement Cost on home, or bundling both. Erie is A+ (Superior) A.M. Best rated; KFB is A- (Excellent). KFB requires paid membership; Erie does not.
Answer verified by Blake Boswell, licensed Kentucky property & casualty producer, Erie Insurance appointed agent. Updated July 2026.
Full head-to-head comparison on our Kentucky Farm Bureau vs. Boswell page. The only way to know which is cheaper for you is to quote both. Call (270) 925-1524 for a side-by-side.
