Texas Farm Bureau
- Offers a variety of discounts.
- Few consumer complaints.
- Farm Bureau membership requires an annual fee.
- Not available outside Texas.
NerdWallet's take on Texas Farm Bureau auto insurance
Texas Farm Bureau earned 4.2 stars out of 5 in our analysis for having fewer complaints for its size than expected, and offering a variety of discounts, including a bundling discount to drivers with an agricultural policy with Texas Farm Bureau.
Best for: Drivers in Texas who want car insurance from a local company and work in agriculture or are already Farm Bureau members.
Not ideal for: Drivers who don’t live in Texas or prefer to get insurance from a larger company.
Where Texas Farm Bureau car insurance stands out
Well-rated customer experience. Texas Farm Bureau outperforms many of its peers in customer experience, since it gets far fewer complaints than expected for its size.
Death indemnity offering. Texas Farm Bureau offers a car insurance add-on that would pay out if you or another covered person were killed in a fatal car crash. This could be an option if you don’t already have life insurance.
Where Texas Farm Bureau car insurance falls short
Regional availability. Texas Farm Bureau is only available in Texas. It’s a part of the national Farm Bureau network, which offers insurance through other state- or region-specific companies.
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Texas Farm Bureau auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Bundling your car insurance with a home or agriculture policy from Texas Farm Bureau.
Insuring more than one vehicle with the same policy.
Driving a car with factory-installed safety features.
Having no claims in the past three years.
Completing a driver training course if you’re under 25.
Keeping a “B” average as a high school or college student, available if you’re under 25.
You can also lower your car insurance costs by raising your insurance deductible. While paying more upfront if you file a claim may help you get cheaper rates now, you don’t want to make your deductible so high that you couldn’t afford your share.
If you’re looking for the cheapest auto insurance rates possible regardless of coverage, you may want to buy the minimum amount of car insurance your state requires to drive. Doing this, however, could leave you on the hook for damage and medical costs not covered by your policy.
Texas Farm Bureau auto insurance coverage
Texas Farm Bureau's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Texas Farm Bureau also offers some optional types of car insurance coverage, such as:
Death indemnity coverage. This coverage provides a payment when you or another person are killed in a fatal accident.
Who might need it? You may want death indemnity coverage if you have no other life insurance coverage but want to make sure your loved ones receive some financial help after a fatal car accident.
Rental reimbursement coverage. If your car is damaged and needs to be repaired before you can drive it again, this coverage will help pay for a replacement rental vehicle. It’s available only if you have comprehensive and collision coverage.
Who might need it? You may need rental reimbursement coverage if you drive your car to work or school every day. You might skip this coverage if you could get around another way without your car.
Roadside assistance coverage. After an unexpected breakdown that’s not due to a collision, roadside assistance coverage would help pay for services like a tire change, fuel delivery and locksmithing services. Texas Farm Bureau covers up to $120 in service fees.
Who might need it? You might need roadside assistance coverage if you don’t already get this coverage from a credit card or a membership association, like AAA.
It’s important to understand what coverage you want and what you’re required to buy. Outside of your state’s minimum insurance requirements, you might have to get a policy with more than basic coverage if you drive a lease or financed your car with a loan. To find the cheapest car insurance company for the coverage you need, shop around from multiple insurers before buying a policy.
Texas Farm Bureau’s Drive’n Save
Drive’n Save is Texas Farm Bureau’s usage-based car insurance program. If you participate, Drive’n Save measures your mileage, when you drive, your speed, braking and phone usage.
Signing up for the program earns you a discount. You may qualify for another discount depending on your driving. Programs like Drive’n Save can be good opportunities for careful drivers who can get the most out of the discounts, but before signing up you’ll want to make sure that your rates won’t increase if you score poorly. We did not receive a response when we reached out to clarify details about Drive’n Save’s rules.
Is Texas Farm Bureau a good insurance company?
Texas Farm Bureau can be a good choice for Texan drivers who want car insurance from a local company. We rated Texas Farm Bureau higher than other companies for customer experience. It received 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.
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More information about Texas Farm Bureau auto insurance
Customer service: Call 800-772-6535 to speak with Texas Farm Bureau’s customer service, or 800-266-5458 for claims service. You can also send an email from Texas Farm Bureau’s website.
Website: You can get a quote, find an agent and make payments using the Texas Farm Bureau Website. There’s also some helpful information on the site about car insurance coverage and basic facts about how insurance works.
Mobile app: The Texas Farm Bureau app allows you to access your insurance card, view and file claims, pay bills, call roadside assistance, and contact your agent. It’s available on iOS and Android.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM 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 the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 start a quote on the Texas Farm Bureau website, or find a local agent.
In which states is Texas Farm Bureau available?
In which states is Texas Farm Bureau 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 2022-2024. 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 2023 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.
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.
