Based in Waco, Texas Farm Bureau Insurance provides auto, home, life, and other insurance to people in the state of Texas. The company has a strong reputation within the Lone Star State, so we wanted to see how it measures up against the best car insurance companies in the U.S. Our expert team researched Texas Farm Bureau Insurance pricing, policies, and industry and customer reviews to find out how it compares to competitors.

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In This Review:

    Texas Farm Bureau Insurance Cost And Discounts

    According to our rate estimates, the average cost for a full coverage policy with Texas Farm Bureau Insurance is about $1,010 per year. This is for a 35-year-old driver with a good credit score and a clean driving record. The national average for the same driver profile is $1,732 per year, highlighting that Texas Farm Bureau Insurance costs tend to be a good bit lower than the national average.

    The table below can give you a sense of how Texas Farm Bureau Insurance average costs compare to those of other leading providers in the state.

    Car Insurance Company

    Estimated Annual Cost in Texas

    Texas Farm Bureau Insurance

    $1,010

    State Farm

    $1,265

    Farmers

    $1,278

    USAA

    $1,415

    Nationwide

    $1,559

    Geico

    $1,559

    It’s important to note that auto insurance companies set rates based on information about individuals and their vehicles. Here are some of the factors that insurance providers use to determine your rates:

    • Driving history: Drivers with clean records pay less, on average, than drivers who have had one or more accidents or traffic violations in recent years.
    • Age: Seniors and younger drivers usually pay higher rates for car insurance. Companies tend to charge teen drivers the most.
    • Location: Even within Texas, your auto insurance rates will vary depending on your ZIP code. Drivers in rural areas often pay lower premiums than those in urban areas.
    • Credit history: Companies also use your credit score to determine your rates. A bad credit score usually results in higher auto insurance rates.
    • Vehicle: The type of vehicle you drive is also a factor in how much you pay. In general, larger and more expensive vehicles cost more to insure.

    Joining The Texas Farm Bureau

    You don’t have to grow crops for a living to get insurance from Texas Farm Bureau Insurance, but you do need a Texas Farm Bureau membership. Memberships range from $20 to $90 depending on the county you live in. All you need to do is fill out a Texas Farm Bureau membership application online and pay the registration fee to join. In addition to insurance, Texas Farm Bureau members have access to a wide range of other benefits.

    Texas Farm Bureau Insurance Discounts

    The Texas Farm Bureau Insurance website mentions that the company offers policyholders auto insurance discounts. While it doesn’t go into much detail, it does note the following discounts:

    • Multi-vehicle discount: If you insure more than one vehicle with the same company, you’ll get a discount on your combined premiums.
    • Anti-theft device discount: You can get a discount for certain anti-theft devices installed on your vehicle, such as an alarm system.
    • Claims-free discount: If you go a certain period of time without filling a claim, you can lower your premium.

    Rather than list all of the discounts the company offers, the website suggests speaking to a local insurance agent about your options. This is a good idea, as some agencies may offer different discounts than others. 

    Here are some of the other discounts you might find at Texas Farm Bureau Insurance:

    • Good student discount: Insurance companies often reward students who maintain good grades with a policy discount.
    • Bundled policy discount: If you also get your home insurance, renters insurance, life insurance, or other insurance products from the same company as your auto insurance, you can get an overall discount.
    • Safe driver discount: Some agencies offer a discount if you complete an approved safe driving course.

    Texas Farm Bureau Auto Insurance Coverage

    Texas Farm Bureau Insurance offers similar types of insurance as national providers, ranging from comprehensive coverage to policies that only satisfy Texas minimum coverage requirements. 

    Standard Texas Farm Bureau Insurance Coverage Options

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.

    Comprehensive

    Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Texas Farm Bureau Insurance Coverage Options

    Rental Car Reimbursement

    Covers the cost of a rental car while your car is inaccessible or inoperable after an accident.

    Emergency Roadside Service Package

    Covers the cost of emergency roadside services such as lockouts, towing, and jump-starts.

    Death Indemnity Coverage

    Covers funeral and other death-related costs for you and your passengers in the case of a fatal accident.

    Rideshare Insurance

    Covers damages to a car you use for a rideshare business like Uber of Lyft.

    You may find other insurance services from Texas Farm Bureau Insurance. The best way to find out is to request a car insurance quote and speak directly to an agent.

    Texas Farm Bureau Insurance Usage-Based Insurance

    Some companies offer usage-based auto insurance policies that charge drivers per-mile rates for their car insurance, rather than a flat rate. This could be a great option for people who are retired, work from home, or just don’t drive very much. 

    Unfortunately, Texas Farm Bureau Insurance does not offer a usage-based insurance plan. If you’re interested in this option, another insurance company will likely be a better fit.

    Texas Farm Bureau Insurance Mobile App

    Texas Farm Bureau Insurance has its own mobile app available for both Android and iPhone users. Customers give it 3.4 out of 5.0 stars in Google Play and 2.4 out of 5.0 stars in the App Store. Here are some of the features you can access with the Texas Farm Bureau Insurance mobile app:

    • Call for emergency roadside assistance
    • File a claim
    • Locate an agent or agency
    • Look up policy information
    • See your member benefits

    You can also pull up your insurance ID card with the app. However, we found that many reviews said that feature did not work for them.

    Texas Farm Bureau Insurance Reviews

    Better Business Bureau (BBB) Rating: A+
    BBB complaints in last three years: 7

    Despite strong industry ratings, customer reviews for Texas Farm Bureau Insurance are fairly mixed. While the BBB itself has given Texas Farm Bureau Insurance its highest rating of A+, customers gave it 2.3 out of 5.0 stars. 

    Positive Texas Farm Bureau Insurance Reviews

    Customers who report having a positive experience with Texas Farm Bureau Insurance often mention helpful, responsive agents.

    “[Claims adjuster] called the next business day or two to ask for photos to help with their investigation. His overall response time was very fast, his conversation was very professional, and he was very thorough and polite explaining the process.”
    Tracy S. via Yelp

    “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.”
    – Mark C. via BBB

    Negative Texas Farm Bureau Insurance Reviews

    Many of the negative Texas Farm Bureau Insurance reviews report coverage issues during the claims process.

    “A person who said she was ‘managing’ my claim stated to me that it appeared that the other party was in the wrong, and to wait for an adjuster to look at my car. After one did, THREE weeks later, he said that the cost of repair to my vehicle was half of either of the estimates which I had gotten.”
    Myron R. via BBB

    “I do not like that they would not pay for new parts on my car and they wouldn’t cover my rental car for the duration my car was in the shop.”
    Jake O. via Yelp

    Texas Farm Bureau Insurance Rating: 4.0 Out Of 5.0

    Texas Farm Bureau Insurance is a well-balanced provider that offers competitive rates, a reasonable selection of policies, and a strong industry reputation. Despite the mixed customer reviews, Texas Farm Bureau Insurance is worth considering for most Texans.

    Cost

    4.0

    Coverage

    3.5

    Reliability

    4.5

    Service

    4.0

    Overall Rating

    4.0

    About Texas Farm Bureau Insurance

    Founded: 1946
    Parent company: Texas Farm Bureau
    States available: Texas
    AM Best financial strength rating: A (Excellent)
    Insurance types: Auto, homeowners, farm and ranch, commercial, life

    Other Recommendations For Car Insurance

    Texas Farm Bureau Insurance is a good choice for drivers who live in Texas. However, drivers in the state have several other quality auto insurance options, as well. Our team researched the best car insurance companies, and we recommend getting a quote from Progressive and USAA.

    Progressive: Best Usage-Based Insurance

    People who don’t put many miles on their cars will want to take a serious look at Progressive. The insurer was our pick for Best Usage-Based Insurance because of its Snapshot program, which personalizes your rates based on your driving habits. The company scored well across the board in our Progressive insurance review, with competitive rates and many positive customer service reviews. 

    USAA: Best For Military Members

    USAA is only available to members of the military, veterans, and their families. However, if you qualify for coverage through USAA, the provider is a great option. USAA often has some of the lowest rates for drivers nationwide, and it received high scores for cost, coverage, reliability, and service in our USAA insurance review. Because of its options and benefits designed for military members – such as discounts for on-base vehicle storage – we named USAA Best for Military Members among the providers we reviewed.

    Frequently Asked Questions

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.