Texas Farm Bureau Insurance Review 2022

Jan 14, 2022

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Insurance reviews

Texas Farm Bureau Auto Insurance
  • Auto insurance

  • Homeowners insurance

The bottom line:

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

Pros

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

Cons

  • Farm Bureau membership requires an annual fee.
  • Website lacks details about policy options.
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Auto insurance review

Texas Farm Bureau Auto Insurance
Texas Farm Bureau

3.5

/5
 NerdWallet rating 
NAIC complaints
Far fewer than expected
Ease of use
Average
Discounts
Average set of discounts

Whether you drive a Toyota or a tractor, Texas Farm Bureau Insurance is worth a look if you live in the Lone Star State.

You can join the Farm Bureau for $35 to $50 a year, depending on your county. That gives you access to some of the cheapest auto insurance in Texas, along with other types of insurance and a variety of discounts.

Although the Farm Bureau offers insurance from coast to coast, Texas Farm Bureau Insurance is available only to Texans. Texas Farm Bureau Insurance is one of many Farm Bureau-affiliated insurance companies operating across the country.

Texas Farm Bureau is among NerdWallet’s Best Car Insurance Companies.

Texas Farm Bureau auto insurance coverage

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 for:

  • Bundling auto coverage with other Texas Farm Bureau policies.

  • Insuring more than one vehicle or multiple drivers.

  • Having a claims-free record.

  • Driving a car that has airbags, an alarm system or other safety and security features.

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

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

Texas Farm Bureau Home Insurance
Texas Farm Bureau

4.0

/5
 NerdWallet rating 
NAIC complaints
Far fewer than expected
Coverage options
About average
Discounts
Average set of discounts

Texas Farm Bureau home insurance coverage

Home insurance policies from Texas Farm Bureau include the following coverage.

  • Dwelling and other structures insurance: Pays for damage to the structure of the home as well as other structures on your property.

  • Personal property insurance: Covers items in your home.

  • Liability insurance: Pays out if someone gets hurt in your home or on your property, including paying for your defense in a lawsuit.

  • Loss of use insurance: Covers the cost of temporarily living elsewhere if your house is uninhabitable due to a claim.

Home insurance discounts

  • Safety features like a central alarm system.

  • Impact-resistant roofing.

  • Dry fire hydrants.

  • Bundling your policies from Texas Farm Bureau.

Complaints

Texas Farm Bureau had far fewer than the expected number of complaints to state regulators relative to its size for both home and auto insurance, 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, request a quote, pay your bill and file a claim online. For full details about insurance options, the website refers you to a local agent. You can get an online quote for personal auto insurance, but no other policy types.

App: On your mobile device, you can connect with an agent, report a claim and upload photos of damage. The app also gives you proof of insurance and details about what your policy covers.

Other insurance from Texas Farm Bureau

  • Farm insurance.

  • Renters insurance and landlords insurance.

  • Business property and liability policies, including coverage tailored for a farm or ranch.

  • Term and whole life insurance.

Texas Farm Bureau members also may qualify for $1,000 to $2,500 in accidental death insurance, plus discounts on dental and vision care, prescriptions, hearing aids and other products.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. 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.

Home insurance ratings methodology

NerdWallet’s homeowners 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, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. 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.

Frequently asked questions