Texas Farm Bureau Insurance Review 2023

By Kayda Norman 

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Our Take

3.5

NerdWallet rating 

The bottom line:

Has a very low number of complaints, but is available only in the state of Texas.

Texas Farm Bureau Auto Insurance
NAIC complaints
Far fewer than expected
Ease of use
Below average
Discounts
Average set of discounts

Pros & Cons

Pros

  • Generally low auto insurance rates.
  • Few consumer complaints.

Cons

  • Farm Bureau membership requires an annual fee.
  • Poorly rated mobile app.

Full Review

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.

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 the following optional coverage:

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.

  • Driving a car that has r safety features.

  • Having good grades, if you or someone on your policy is a student.

Members may also receive discounts and special offers for other products and services, such as oil changes and online defensive driving courses.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

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 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 $1,000 to $2,500 in accidental death insurance. 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. You can also get a quote, but only for personal auto insurance.

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.

  • Landlords insurance.

  • Business property and liability policies.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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 methodologyNerdWallet’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.

Frequently asked questions