Texas Farm Bureau auto insurance review: Cheap & reliable
Texas Farm Bureau auto insurance offers lower-than-average rates, but coverage options are limited and it is only available to Texas residents.
By
Rachael BrennanRachael BrennanSenior Editor & Licensed Insurance ExpertRachael Brennan is a licensed auto insurance expert and a former senior editor at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Edited by
Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
4.4
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
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The bottom line
Texas Farm Bureau is a top car insurance company in Texas and a go-to option for Texas drivers. When it comes to overall customer satisfaction, Texas Farm Bureau has been the top-rated car insurance company in Texas on the annual J.D. Power U.S. Auto Insurance Study for eleven consecutive years.
Texas Farm Bureau is part of the American Farm Bureau Federation, a national farming advocacy group with a network of state affiliates. Only Texas Farm Bureau members can get Texas Farm Bureau insurance, but anyone can get a membership. You will need to pay a membership fee that’s separate from your insurance premiums, but the membership cost may vary by county.
Texas Farm Bureau offers the standard types of car insurance most drivers need, including liability, comprehensive, and collision coverage, but it only offers a few additional types of auto coverage, including roadside assistance, rental car coverage, and a death indemnity benefit.
Texas Farm Bureau has some of the lowest rates in the industry, but it offers fewer coverage options than some other insurance companies and does not offer gap coverage. Despite its limited coverage options, Texas Farm Bureau is a good choice for many drivers based on its low rates, multiple discounts, and high customer service scores.
Liability coverage: Covers the cost of bodily injuries or property damage you cause to someone else in an at fault accident. Liability coverage is required in almost every state.
Personal injury protection: Also referred to as PIP or no-fault insurance, personal injury protection covers medical expenses (and other costs, like lost wages and funeral benefits) if you or your passengers are hurt in an accident, no matter who was at fault. PIP coverage is required in some states.
Uninsured/underinsured motorist coverage: Also known as UM/UIM, uninsured/underinsured motorist coverage pays for your medical expenses if you’re hit by a driver who doesn’t have insurance, or doesn’t have enough insurance to cover your medical expenses, or, in some cases, the damage to your car. UM/UIM is required coverage in some states.
Collision coverage: Covers damage to your vehicle after a car accident, whether or not you were at fault.
Comprehensive coverage: Covers non-collision damage to your car, including damage caused by extreme weather, hail, flood, fire, falling objects, vandalism and theft.
Medical payments: Also known as MedPay, this covers medical costs for you and your passengers if you get into a covered accident, but the benefit is usually small, between $1,000 and $10,000.
Additional coverages offered
Death indemnity coverage: Pays a set dollar amount to a beneficiary if a person who is covered by your Texas Farm Bureau auto insurance is fatally injured in a car accident.
Rental coverage: Helps cover the cost of a rental car while yours is being repaired after a covered loss.
Texas Farm Bureau does not offer gap coverage, so drivers who have a lease or loan on their vehicle may need to purchase gap coverage elsewhere.
Ratings methodology
Price
4.6/5
We used data provided by Quadrant to compare the average cost of a full coverage policy from Texas Farm Bureau (50/100/50 coverage limits and $500 deductibles for comprehensive and collision coverage) to competitor rates for the same coverage with the same driver profile (single drivers aged 30, 35, and 45 driving a 2017 Toyota Camry LE about 10,000 miles per year).
Customer experience
4.7/5
Texas Farm Bureau does not have a score on J.D. Power’s 2022 U.S. Auto Claims Satisfaction Study or the J.D. Power 2022 U.S. Insurance Digital Experience Study. However, Texas Farm Bureau is ranked number one on the J.D. Power 2022 U.S. Auto Insurance Study in the state of Texas. And according to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report, Texas Farm Bureau also had significantly fewer customer complaints than average in 2021.
Coverage options
2.7/5
Texas Farm Bureau offers 10 different types of auto insurance coverage, giving it a low score when it comes to coverage options. Beyond the standard auto insurance coverage types, including liability, comprehensive, and collision coverage, Texas Farm Bureau only offers roadside assistance, death indemnity coverage, and rental car reimbursement.
Financial strength
3.6/5
Texas Farm Bureau has good financial ratings, scoring an A with AM Best. However, Texas Farm Bureau doesn’t have a rating with S&P or Moody’s. This means Texas Farm Bureau is in a good financial position to pay out its customers’ claims.
How much does Texas Farm Bureau auto insurance cost?
Texas Farm Bureau auto insurance costs an average of $87 a month, or $1,041 a year. That makes Texas Farm Bureau car insurance much less expensive than competitors for a full-coverage policy with bodily injury liability limits of $50,000 per person and $100,000 per accident.
Average cost per month
Average cost per year
Texas Farm Bureau average
$87
$1,041
Texas state average
$152
$1,818
National average
$136
$1,638
In addition to the costs listed above, you’ll also be expected to pay membership dues to Texas Farm Bureau, but those will probably be a minimal addition to your car insurance payments.
What discounts does Texas Farm Bureau offer?
Multi-policy discount: Bundle two or more Texas Farm Bureau insurance policies, like home, auto, or renters insurance, and get a discount.
Multi-vehicle discount: Insure two or more vehicles on the same Texas Farm Bureau policy to get a discount.
Claims-free discount: Get a discount for going three years or more without filing a claim.
Good student discount: Full time students under the age of 25 who maintain a B average or higher are eligible for a discount.
Driver training discount: A discount is available for drivers under the age of 25 who have completed an accredited driver training course.
Vehicle safety discount: Earn a discount for certain factory-installed vehicle safety features, like airbags.
Texas Farm Bureau auto insurance state availability
Texas Farm Bureau is only available to Texas residents.
Texas Farm Bureau member benefits
Texas Farm Bureau members have access to a variety of benefits and financial services, including access to Texas Farm Bureau auto insurance, home insurance, renters insurance, life insurance, health insurance, and bank services.
Texas Farm Bureau membership also provides a variety of discounts, including:
Paint: Save up to 30% off retail prices at Sherwin-Williams.
Office supplies: Get discounts at both Office Max and Office Depot.
Computers: Get a discount on Dell computers and electronics.
Car maintenance: Get a 10% discount at Jiffy Lube.
Identity protection: Save more than 50% with IDX identity protection.
Cruises: Save up to 60% on cruises with Norwegian, Royal Caribbean, Princess, Disney, and other cruise lines.
Sports: Get free or discounted tickets for multiple professional sports teams, including Corpus Christi Hooks, Jackals Rugby, Frisco Roughriders, and the Texas Rangers.
Hotels: Save up to 30% at Wyndam hotels, Motel 6, Drury hotels, and Choice hotels.
Amusement parks: Save money on tickets to SeaWorld, Schlitterbahn, Hawaiian Falls, Six Flags, Hurricane Harbor, and other amusement parks.
What to expect with Texas Farm Bureau auto insurance
How to get a quote: Drivers can get a Texas Farm Bureau quote online or by calling 877-327-6287.
Customer service options: Texas Farm Bureau customers can take care of basic customer service issues, like updating your address or printing ID card, online through the website. Customers with more complex needs or who want to talk to a live person can call 877-327-6287 for assistance.
How to file a claim: Customers can file a claim with Texas Farm Bureau online or by calling the company directly at 800-266-5458.
How to cancel your policy: Texas Farm Bureau customers can cancel their policy by contacting their agent or by calling 800-772-6535.
Texas Farm Bureau vs other auto insurance companies
What are the top five insurance companies in Texas?
According to our research, the top five auto insurance companies in Texas are Texas Farm Bureau, State Farm, Germania, Redpoint, and GEICO.
Who is the number one insurance company in Texas?
Texas Farm Bureau is our pick for the top insurance company in Texas because of its low rates and high customer service score.
Is Texas Farm Bureau insurance only for Texas?
Texas Farm Bureau insurance coverage is only available to Texas residents, but your Texas Farm Bureau auto insurance will cover you while driving in all 50 states.
Who is Texas Farm Bureau owned by?
Texas Farm Bureau is a mutual insurance company made up of 205 independent, self-governed Farm Bureaus. This means the company is owned by its policyholders.
Rachael Brennan is a licensed auto insurance expert and a former senior editor at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
