Texas Farm Bureau Insurance Reviews
Our review team rates Texas Farm Bureau Insurance 3.8 out of 5.0 stars due to its affordable coverage rates and strong local and industry reputation.
Find out if you’re paying too much for auto insurance here.
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Key Points:
- Texas Farm Bureau Insurance is one of the most affordable options in Texas.
- Insurance from the Texas Farm Bureau requires a Farm Bureau annual membership fee.
- Texas Farm Bureau doesn’t offer as many add-ons as some of its competitors.
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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.
Texas Farm Bureau Insurance Review
In our review of Texas Farm Bureau Insurance, we rate it 3.8 out of 5.0 stars. Texas Farm Bureau Insurance is a well-balanced provider that offers competitive rates, a reasonable selection of policies, and a strong industry reputation. Despite mixed customer reviews, Texas Farm Bureau Insurance is worth considering for most Texans.
Texas Farm Bureau Ratings
| Overall Rating | 3.8 |
|---|---|
| Reliability | 4.4 |
| Availability | 3.4 |
| Coverage | 4.0 |
| Cost | 3.4 |
| Service | 4.1 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is Texas Farm Bureau Insurance Good?
Texas Farm Bureau is a great option for many different drivers in the Lone Star state. It offers cheap rates for all the standard coverage options. Texas Farm Bureau also rates highly in J.D. Power studies.
Pros and Cons of Texas Farm Bureau Insurance
Available in: Texas
Founded in: 1952
Coverage: Auto, homeowners, renters, farm and ranch, commercial, life
Pros
- Low prices
- Local agents in every county
- Discounts for different situations
- A+ rating from the Better Business Bureau (BBB)
Cons
- Requires annual Farm Bureau membership
- Fewer add-ons than some competitors
About Texas Farm Bureau Insurance
Founded in 1952, Texas Farm Bureau Insurance is known as one of the top insurers for car, home, renters insurance, and more at great rates in Texas. It is a subsidiary of the Texas Farm Bureau which only operates in the Lone Star State. You’re also required to have a membership in order to take advantage of its coverage options and low prices. Other related companies include Texas Farm Bureau Mutual Insurance and Texas Farm Bureau Casualty Insurance.
Texas Farm Bureau Insurance Membership
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, like discounts on healthcare services, travel, retail, and more.
How Does Texas Farm Bureau Stand Out?
Texas Farm Bureau stands out from other options in Texas for being an affordable provider with reliable coverage and support from local agents in the community.
Texas Farm Bureau Insurance Industry Reviews
Texas Farm Bureau Insurance has an A+ rating from the BBB, which means it responds to all complaints on the platform and has transparent business practices. Similarly, it has an A financial strength rating from AM Best, which shows it has no problem meeting its insurance claims obligations.
Texas Farm Bureau Insurance Customer Reviews
Our team considers multiple sources for customer reviews to get a sense of how a company performs. For Texas Farm Bureau, we looked at J.D. Power surveys and customer ratings on the BBB.
Texas Farm Bureau Insurance Reviews: J.D. Power
While it’s a smaller company, Texas Farm Bureau is featured in the J.D. Power 2023 U.S. Auto Insurance Study℠. The company scored 824 out of 1,000 points–eight points above the regional average–ranking third place for the whole state.
The study shows the vast majority of Texas Farm Bureau customers are satisfied with the company’s billing process, claims, interaction, price, and policy offerings.
Texas Farm Bureau Insurance Reviews: BBB
Texas Farm Bureau only has a handful of reviews on the BBB–fewer than 20, in fact. This represents a small fraction of Texas Farm Bureau’s customers.
Positive reviews praise local agents for being helpful and courteous during stressful times. They also appreciate that the Texas Farm Bureau does annual reviews to make sure customers have the right coverage.
Some negative reviews say the company’s website and mobile app could use some work, while others mention a lack of communication from agents during a claim.
Texas Farm Bureau Insurance Customer Satisfaction Survey
In 2022, our team surveyed almost 7,000 car insurance customers on different aspects of their satisfaction with companies. Of these, 117 respondents had Farm Bureau insurance (which applies to Farm Bureaus in multiple states).
| Survey Category | Farm Bureau Rating | Industry Average Rating |
|---|---|---|
| Overall satisfaction | 4.1 | 4.2 |
| Affordability | 3.7 | 3.7 |
| Coverage selection | 3.8 | 3.9 |
| Customer service from agents | 4.1 | 4.0 |
| Claims service | 4.1 | 4.2 |
*Each rating is out of 5.0 points.
Texas Farm Bureau Car Insurance Coverage
Texas Farm Bureau auto insurance offers similar types of car insurance as national providers, ranging from comprehensive coverage to policies that only satisfy Texas minimum coverage requirements. Below are the standard insurance coverage types that the provider offers:
| Coverage Type | What It Covers |
|---|---|
| Liability | Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you’re at fault. |
| Collision | Collision insurance pays for damages that occur while your car is moving, whether you’re at fault or not. |
| 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. |
| Underinsured/Uninsured Motorist | Underinsured/uninsured motorist coverage pays for damages to your vehicle if you’re hit by another driver who doesn’t have sufficient insurance to fully pay for the cost of damages. |
Additional Texas Farm Bureau Car Insurance Coverage Options
Below are additional coverage options offered by Texas Farm Bureau:
| Add-On | Details |
|---|---|
| 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. |
You may find other services from Texas Farm Bureau Insurance. The best way to learn what coverages are available to you is to request a car insurance quote and speak directly to an agent.
Texas Farm Bureau Insurance Roadside Assistance
Texas Farm Bureau Insurance’s roadside assistance program covers up to $120 per service for a disabled vehicle. It includes the following:
- Lockout services
- Breakdown services
- Towing
- Flat tire repair
- Gas delivery
- Jumpstarts
- Winching services
Enroll in the roadside assistance program by calling an agent at a local office, which you can find using the agent locator on the company website.
Texas Farm Bureau Car Insurance Cost
According to our rate estimates, the average cost for a full-coverage car insurance policy with Texas Farm Bureau Insurance is about $1,613 per year. This is for a 30-year-old driver with a 2020 Honda CR-V, a good credit score, and a clean driving record. The national average for the same driver profile is $1,968 per year, highlighting that Texas Farm Bureau Insurance costs tend to be 18 percent cheaper 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 | Average Full-Coverage Cost Per Month in Texas | Average Full-Coverage Cost Per Year in Texas | Average Minimum-Coverage Cost Per Month in Texas | Average Minimum-Coverage Cost Per Year in Texas |
|---|---|---|---|---|
| Texas Farm Bureau | $134 | $1,613 | $47 | $558 |
| State Farm | $134 | $1,607 | $42 | $499 |
| USAA | $176 | $2,112 | $63 | $756 |
| Nationwide | $140 | $1,684 | $72 | $858 |
| Geico | $129 | $1,547 | $56 | $673 |
| Redpoint | $133 | $1,593 | $66 | $795 |
| Progressive | $248 | $2,970 | $89 | $1,071 |
| AAA | $217 | $2,601 | $80 | $956 |
| Allstate | $198 | $2,373 | $63 | $756 |
| Farmers | $434 | $5,205 | $191 | $2,294 |
Texas Farm Bureau Insurance: Cost By Age
Like most car insurance companies, Texas Farm Bureau Insurance charges higher rates for drivers that have had less experience behind the wheel, such as those under 25. However, these rates are significantly cheaper when compared to the state average.
Full-coverage car insurance for 16-year-olds is $2,800 per year from Texas Farm Bureau Insurance, which is 64 percent cheaper than the state average ($7,703 per year). The table below shows Texas Farm Bureau’s average annual cost estimates for full-coverage car insurance by age group.
| Age | TXFB Average Car Insurance Cost Per Month | TXFB Average Car Insurance Cost Per Year | State Average Car Insurance Cost Per Month | State Average Car Insurance Cost Per Year |
|---|---|---|---|---|
| 16 | $233 | $2,800 | $642 | $7,703 |
| 17 | $172 | $2,066 | $504 | $6,051 |
| 18 | $161 | $1,937 | $451 | $5,414 |
| 19 | $152 | $1,819 | $340 | $4,079 |
| 21 | $136 | $1,629 | $247 | $2,965 |
| 25 | $115 | $1,385 | $178 | $2,132 |
| 30 | $98 | $1,182 | $159 | $1,904 |
| 35 | $95 | $1,145 | $154 | $1,850 |
| 40 | $95 | $1,145 | $153 | $1,837 |
| 45 | $95 | $1,145 | $152 | $1,826 |
| 50 | $93 | $1,113 | $148 | $1,777 |
| 55 | $83 | $992 | $144 | $1,727 |
| 65 | $78 | $934 | $151 | $1,813 |
| 75 | $82 | $986 | $177 | $2,123 |
Note: These rates are from 2022 cost data.
Texas Farm Bureau Costs: High-Risk Drivers
Drivers that have speeding tickets, accidents, DUIs or DWIs, and other violations on their records may see higher rates from Texas Farm Bureau Insurance.
| Traffic Incident | TXFB Average Car Insurance Cost Per Month | TXFB Average Car Insurance Cost Per Year | National Average Car Insurance Cost Per Month | National Average Car Insurance Cost Per Year |
|---|---|---|---|---|
| Speeding ticket | $134 | $1,613 | $204 | $2,450 |
| Recent accident | $214 | $2,569 | $238 | $2,854 |
| DUI conviction | $253 | $3,038 | $285 | $3,430 |
*Speeding tickets are for 16 to 20 mph over the speed limit. Recent accidents are for a single vehicle ($2,500 worth of damage).
Texas Farm Bureau Insurance Discounts
The Texas Farm Bureau Insurance website mentions that the company offers discounts to help its policyholders save money. While it doesn’t go into much detail, it does note the following discounts:
- Multi-policy discount: If you bundle another insurance policy with your auto plan, you can get a discount.
- Multi-vehicle discount: If you insure more than one vehicle with Texas Farm Bureau Insurance, you’ll get a discount on your combined premiums.
- Good student discount: Insurance companies often reward students who maintain good grades with a policy discount.
- Vehicle safety discount: If your car has certain factory-installed safety features, you could save money.
- Claims-free discount: If you go a certain period of time without filling a claim, you can lower your premium.
- Driver’s training discount: Anyone on your policy under the age of 25 can complete a driver training course and save.
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 discounts common across the industry that you might find at Texas Farm Bureau Insurance:
- Anti-theft device discount: You can get a discount for certain anti-theft devices installed on your vehicle, such as an alarm system.
- Payment discount: Some agencies offer discounts for the way you pay, like by signing up for autopay, paying in full, consistently paying on time, or choosing paperless billing.
- Distant student discount: If there’s a full-time college student on your policy, and they live a certain distance away from home and don’t have a car, you could qualify for a discount.
- Safe driver discount: Many providers offer a discount for going a long time without receiving any traffic violations.
Texas Farm Bureau Insurance Usage-Based Insurance
Unfortunately, Texas Farm Bureau Insurance doesn’t offer a telematics or usage-based insurance plan. If you’re interested in this option, another insurance company will likely be a better fit.
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. Others use mobile apps to monitor your speed and other driving habits, and reward safe driving with discounts.
Factors That Affect Car Insurance Rates
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 Texas insurance providers use to determine your rates:
- Driving history: Drivers with clean records pay less on average than drivers who’ve 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 because of their lack of experience.
- 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 due to the higher risk of traffic and theft in areas with higher population density.
- 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.
Texas Farm Bureau Homeowners Insurance
Aside from auto coverage, Texas Farm Bureau also offers home insurance. Its homeowners policy includes coverage for dwelling/other structures, personal property insurance, liability insurance, and loss of use insurance. Discounts are also available for your Texas Farm Bureau homeowners policy, including:
- Safety features like a central alarm system
- Impact-resistant roofing
- Dry fire hydrants
- Bundling your policies from Texas Farm Bureau
Texas Farm Bureau Life Insurance
Texas Farm Bureau also offers life insurance to members. You can get a variety of life insurance products from the company, including:
- Term life
- Whole life
- Convertible life
- 15-pay juvenile life
- IRA
- Long-term care
- Annuity
The nice thing about having different types of insurance with the same company is that you only have to call one phone number for help with different policies.
Texas Farm Bureau Insurance Review: Our Take
Our reviews team rates Texas Farm Bureau Insurance 3.8 out of 5.0 stars for its low rates and a great reputation for paying claims. While Texas Farm Bureau’s rates are great when compared to other providers, its coverage options are only available in Texas. Its coverage options are also somewhat limited when compared to other competitors, but the company can be a great option if you are a Texas resident.
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Recommended Car Insurance Companies
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 want discounts for safe driving will want to take a serious look at Progressive. The insurer is our pick for Best Usage-Based Insurance because of its Snapshot program, which personalizes your rates based on your driving habits. Progressive offers competitive rates and has many positive customer service reviews.
Read more: Progressive insurance review
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. Because of its options and benefits designed for military members–such as discounts for on-base vehicle storage–we name USAA Best for Military Members among the providers we reviewed.
Read more: USAA insurance review
Texas Farm Bureau Insurance Reviews: FAQ
Below are commonly asked questions about Texas Farm Bureau Insurance.
Is Texas Farm Bureau Insurance good car insurance?
Texas Farm Bureau Insurance has good rates when compared to the national average and an overall great reputation. The company has an A rating for financial strength from AM Best, which shows that the company has the capacity to pay out claims. The company also has an A+ rating from the BBB and many positive reviews from customers. Texas Farm Bureau Insurance also has the third highest score in customer satisfaction for its state in the J.D. Power 2023 U.S. Auto Insurance Study.
How much does it cost to join Texas Farm Bureau?
It can cost anywhere from $20 to $90 to join the Texas Farm Bureau. The cost will largely depend on what area of Texas you live in.
Does Texas Farm Bureau have boat insurance?
In addition to auto insurance, Texas Farm Bureau Insurance offers coverage for boats, Jet Skis, and all-terrain vehicles (ATVs).
Does Texas Farm Bureau have accident forgiveness?
Texas Farm Bureau offers Accident Forgiveness Protection as an add-on for your car insurance policy. This option ensures your rates won’t go up after a single at-fault accident.
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 Better Business Bureau (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.
