As the second-largest state in the nation, Texas comes with a ton of car insurance options, but how do you decide who’s the best in the Lone Star State? Texas Farm Bureau insurance reviews and industry ratings make the provider a strong option for Texas drivers.
In this article, we'll go over the ins and outs of Texas Farm Bureau auto insurance, including its coverage options, auto insurance rates, discounts, and customer feedback.
We’ve reviewed some of the best car insurance companies in the nation to help you compare your choices and decide which provider has the coverage, price point, and customer experience you need. To get a free quote for auto insurance in Texas, enter your zip code into the easy tool above.
In this article:
- Texas Farm Bureau Overview
- Texas Farm Bureau Insurance Coverage
- Texas Farm Bureau Insurance Cost And Discounts
- Texas Farm Bureau Insurance Reviews
- Texas Farm Bureau Apps And Technology
- Our Take On Texas Farm Bureau: 4.0 Stars
- Our Recommendations For Car Insurance
Texas Farm Bureau Overview
Texas Farm Bureau Insurance, which was founded in 1952, is currently the largest insurance provider in the Lone Star State, with headquarters in Waco, Texas, and more than 250 offices statewide.
The company offers some of the lowest rates in the state for auto insurance, health insurance, life insurance, home insurance, and farm and ranch insurance. You must have a membership with the state Farm Bureau in order to access these rates.
The team at Texas Farm Bureau is dedicated to helping customers navigate through hard times and recover losses after an incident. Representatives work to provide stellar customer service based on ethical practices and fairness.
Many auto insurance companies under the Farm Bureau Insurance umbrella sell insurance through third parties, but 19 state companies, including Texas Farm Bureau, write their own policies. Each location in the state is owned and operated separately, so product options and prices vary.
Texas Farm Bureau currently has an “Excellent” financial strength rating from AM Best, which means customers can feel secure about the company’s financial standing. Because of its many local offices, Texas Farm Bureau insurance reviews vary. Some customers experience issues with the claims process, while many others have been satisfied with the level of customer service and cost for many years.
Texas Farm Bureau Insurance Coverage
The state of Texas requires that drivers carry liability insurance with minimum coverage limits of 30/60/25. This breaks down to $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident. However, it is beneficial to carry higher levels of coverage and other standard types of car insurance, including:
- Collision coverage
- Comprehensive auto insurance
- Medical payments (MedPay)
- Personal injury protection (PIP)
- Uninsured/underinsured motorist coverage (UM/UIM)
With Texas Farm Bureau, you can get just the minimum coverage or a more comprehensive policy that protects you and your vehicle no matter who is at fault in an accident.
Farm Bureau Full Coverage
Full coverage generally refers to liability, collision, and comprehensive insurance. This means that you not only have coverage for other drivers’ injuries and property damage in accidents that you cause, but you also have coverage for your own vehicle.
Collision insurance will repair your vehicle after an accident regardless of fault, while comprehensive will repair your vehicle after non-collision events like storms, flooding, vandalism, and theft. We recommend purchasing medical coverage, too.
Texas Farm Bureau Insurance Cost And Discounts
According to our rate estimates, the average annual cost for a car insurance premium from Texas Farm Bureau is $1,010, but this is based on the profile of a 35-year-old driver with a clean driving record and a good credit score. You should keep in mind that your car insurance payment will be determined by factors such as your age, gender, location, credit score, type of car, chosen deductible, and driving history.
Compared to the national average annual rate of $1,732 and based on Texas Farm Bureau Insurance reviews, we believe that the provider offers reasonable insurance premiums.
Texas Farm Bureau Insurance Discounts
When you get auto insurance from Texas Farm Bureau, ask a local insurance agent about discounts that can save you money each month. In Texas Farm Bureau Insurance reviews, we've seen customers mention discounts for things including:
- Having safety and security features installed on your car
- Being a good student
- Having multiple drivers or multiple cars on your policy
- Bundling home and auto insurance policies
- Not filing a claim in the past three years
- Completing a safe driver course
When you join Farm Bureau as a member, you can also get access to many perks including discounts for pharmacies, theme parks, hotel stays, rental cars, and farm equipment.
Texas Farm Bureau Quotes Process
To get a quote from Texas Farm Bureau, start by visiting the company's website and entering your zip code to find a local agent near you.
You’ll then be led to complete a form with your personal information to provide you with an accurate quote. You can also call the customer service line to speak with an agent who can help you with your quote.
To see the most competitive rates in your specific area, use the free tool below to compare your options.
Texas Farm Bureau Insurance Reviews
Many Farm Bureau companies have earned high ratings for customer satisfaction, and Texas Farm Bureau insurance reviews show no different. The company was the top performer in the Texas region in the J.D. Power 2020 U.S. Auto Insurance Satisfaction StudySM, earning 866 out of a possible 1,000 points. The study reviewed providers in six categories, including the claims process, and Texas Farm Bureau earned top ratings across the board. The insurer also boasts an A+ rating and accreditation from the BBB.
Positive Texas Farm Bureau insurance reviews compliment friendly and local customer service, good coverage options, and low rates. On the other hand, some customers mention issues with filing a claim and getting help when their cars needed to be replaced.
Here are a few Texas Farm Bureau insurance reviews:
Positive Texas Farm Bureau Insurance Reviews
“We have been with Farm Bureau for years. Our New Boston, Texas, agent has been outstanding. The office staff is always friendly and very knowledgeable, and [I] have never had any problems with my insurance with Farm Bureau. Great insurance company for home, auto, life.”
- Mark C. via BBB
"Texas Farm Bureau provided a much lower premium, and having an agent assigned to my accounts was another deciding factor."
- Kevin L. via BBB
Negative Texas Farm Bureau Insurance Reviews
“I've been a loyal customer with Texas Farm Bureau [for] many years. I have four vehicles and one home policy with them. I dropped an older model vehicle (1984) and added a newer model to the policy. The agent wasn't available on many occasions. The secretary updated the policy... Well I had to put the vehicle in the shop only to find out they placed liability on a 2010 Mercedes that had a lienholder. I had to pay $2,200 to fix it because the secretary and agent were not honest about the error...”
- S.H. via BBB
"I had coverage for my vehicles through Texas Farm Bureau since May of  and thought that I was covered for a rental car in case of an accident. I was sideswiped by a taxi driver and Farm Bureau wouldn't lift a finger to help me."
- Myron R. via BBB
A few customer reviews mentioned Texas Farm Bureau's claims process. If you get into an accident, make sure to notify the insurer as soon as possible. You can report a claim online by logging into the Texas Farm Bureau site with your last name and policy number. You can also file a claim by calling customer service representatives at the claims center 24/7, or you can contact your local agent directly.
Texas Farm Bureau Apps And Technology
There isn’t a mobile app for Texas Farm Bureau, but the website is comprehensive and user-friendly. It has many resources for current and potential policyholders. You can get answers to frequently asked questions about insurance coverage, manage your account, and read helpful articles about various life milestones that can impact the insurance coverage you need.
Our Take On Texas Farm Bureau: 4.0 Stars
We rate Texas Farm Bureau 4.0 out of 5.0 stars. The company offers reasonable coverage and lower-than-average monthly insurance rates, and it has high ratings from industry leaders. Texas Farm Bureau insurance reviews are mostly positive, and you can bundle your auto policy with other policies, like homeowners or renters insurance, to save money.
Overall, Texas Farm Bureau Insurance is a great choice.
|Texas Farm Bureau Insurance Pros||Texas Farm Bureau Insurance Cons|
Offers some of the lowest rates in the state
Must be a Farm Bureau member to get coverage
A+ rating from the BBB
Mixed customer service reviews
Excellent financial standing
Easy claims process
As always, we recommend getting auto insurance quotes from more than one provider before you make your final decision. Use the free quote tool below to get started comparing car insurance costs from leading companies:
Our Recommendations For Car Insurance
We have reviewed the top companies in the nation, comparing customer service, coverage, service areas, cost, and more. Check out two more providers that offer some of the best auto insurance in Texas:
Geico: Best Overall
We rate Geico 4.5 out of 5.0 stars. The company has great customer service, affordability, and discount opportunities. The car insurance company is a good choice for most drivers in Texas. Geico is one of the biggest auto insurance carriers in the country, and it’s known for its ability to save drivers money.
This full-service auto insurance provider not only offers standard coverage, but it also has extras like roadside assistance, rental car reimbursement, mechanical breakdown insurance, and rideshare coverage.
To learn more, read our full Geico auto insurance review.
State Farm: Best For Students
Our team rates Geico 4.5 out of 5.0 stars. The auto insurance giant provides standard coverage as well as many special coverages. State Farm has great rates, even for people with a less-than-ideal driving history or bad credit.
You can get a variety of discounts for things like safe driving and customer loyalty, as well as many discounts for car insurance for students, too. There’s also the Drive Safe & SaveTM program, which allows you to track your driving and save money if your annual mileage is low.
To learn more, read our full State Farm insurance review.
FAQ: Frequently Asked Questions
Is Texas Farm Bureau Insurance expensive?
As mentioned, Texas Farm Bureau Insurance reviews indicate the company has great rates, which makes it attractive to join even if you aren’t a farmer. Farm Bureau offers cheap premiums in particular for people with accidents on their driving record. Your own premium will depend on the factors discussed above, as well as whether you want minimum coverage or full coverage.
Do I Have To Have A Farm Bureau Membership?
No, you don’t have to be a farmer in order to get Texas Farm Bureau insurance coverage. All you have to do is join the Farm Bureau and pay an annual membership fee, which ranges from $20 to $90 depending on your county.
Can I receive discounts from Texas Farm Bureau Insurance if I'm not a farmer?
Yes, if you are in some way involved in the agriculture industry, you can subscribe to a higher membership tier to get discounts at various retailers and vote on important decisions within the organization.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
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