Texas Farm Bureau
Has a very low number of complaints but is available only in the state of Texas.- Generally low auto insurance rates.
- Few consumer complaints.
- Farm Bureau membership requires an annual fee.
- Mobile app has lower review scores than similar apps.
Texas Farm Bureau earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Whether you drive a Toyota or a tractor, Texas Farm Bureau Insurance has you covered. Because of its affiliation with the Farm Bureau, which includes insurance providers nationwide, the company is able to offer customers some of the cheapest auto insurance in Texas, along with other financial products.
As its name implies, however, Texas Farm Bureau Insurance is only available to those who live in the Lone Star state.
Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
- How we review auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Texas Farm Bureau auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Aside from standard coverage, Texas Farm Bureau offers optional coverage for death indemnity for covered accidents.
» MORE: Compare car insurance rates
Auto insurance discounts
Texas Farm Bureau Insurance has some of the best auto insurance prices in the state, according to NerdWallet’s past rate analyses. As an auto policyholder, you may be eligible for discounts by:
Bundling auto coverage with other Texas Farm Bureau policies.
Insuring more than one vehicle.
Having a claims-free record for the past three years.
Driving a car that has safety features.
Having good grades, if you or someone on your policy is a student.
Completing an approved driver training course (for drivers younger than 25).
Members may also receive discounts and special offers for other products and services, such as oil changes and identity protection.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Texas Farm Bureau home insurance coverage
Texas Farm Bureau offers standard homeowners insurance coverage such as personal property insurance, which protects items in your home, and loss of use insurance, which covers the cost of temporarily living somewhere else if your house is uninhabitable due to a claim.
Home insurance discounts
You can save on home insurance with Texas Farm Bureau by:
Installing safety features in your home, like a central alarm system.
Having dry fire hydrants.
Using impact-resistant roofing in your home’s construction.
Having more than one policy with the insurer (bundling).
Texas Farm Bureau life insurance
Texas Farm Bureau offers term life insurance policies in lengths of 10, 20 and 30 years. Convertible term life insurance, which allows you to convert your term policy to a whole life policy, is also available.
The company offers various whole life insurance options, as well, including for children 15 years old or younger. These policies cover your children until age 100.
Texas Farm Bureau members also qualify for accidental death insurance, which starts at $1,000 and can reach $2,500 over time. You must contact your local office to claim this benefit, however.
Complaints
Texas Farm Bureau had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Texas Farm Bureau insurance
Website: You can locate an agent, pay your bill and file a claim online.
App: The Texas Farm Bureau mobile app lets you connect with an agent, report a claim and upload photos of damage. It also gives you proof of insurance and details about what your policy covers.
Other insurance from Texas Farm Bureau
Farm and ranch insurance.
Renters insurance.
Landlord insurance.
Business property and liability policies.
Frequently asked questions
How do I get an auto quote from Texas Farm Bureau?
How do I get an auto quote from Texas Farm Bureau?
You can find a local agent on the website.
In what states is Texas Farm Bureau insurance available?
In what states is Texas Farm Bureau insurance available?
Policies are available only in Texas.
How do you file an auto claim with Texas Farm Bureau?
How do you file an auto claim with Texas Farm Bureau?
You can file a claim online, over the phone or via the app.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
