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Texas Farm Bureau Insurance Reviews

Our team rates Texas Farm Bureau Insurance 4.0 out of 5.0 stars due to its affordable rates overall and strong industry reputation.

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09/09/2023 05:02 PM

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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.

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Texas Farm Bureau Insurance Review

In our review of Texas Farm Bureau Insurance, we rate it 4.0 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 the mixed customer reviews, Texas Farm Bureau Insurance is worth considering for most Texans.

Reviews Category Rating Score
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
Insurance types: Auto, homeowners, renters, farm and ranch, commercial, life

Founded in 1946, Texas Farm Bureau Insurance is known as one of the top insurers for car, home, renters insurance, and more at great rates. 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.

Texas Farm Bureau Insurance Reviews and Ratings

AM Best financial strength rating: A (Excellent)
Better Business Bureau (BBB) Rating: A+
BBB complaints in last three years: 14

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 an A+, customers gave it 2.2 out of 5.0 stars. 

Even though there is mixed reception of the company, Texas Farm Bureau Insurance has a .42 rating from the National Association of Insurance Commissioners (NAIC) which means that its number of complaints is well under the average for a company its size. It has also been rated an A for financial stability by AM Best.

Below are some sample Texas Farm Bureau Insurance customer reviews:

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

Texas Farm Bureau Insurance Complaints

Many of the Texas Farm Bureau Auto Insurance complaints report coverage issues during the insurance 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 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.

Texas Farm Bureau Car Insurance Cost and Discounts

According to our rate estimates, the average cost for a full-coverage car insurance policy with Texas Farm Bureau Insurance is about $1,013 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 $1,730 per year, highlighting that Texas Farm Bureau Insurance costs tend to be 41 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 Estimated Annual Cost in Texas
Texas Farm Bureau Insurance $1,013
State Farm $1,351
Farmers $2,688
USAA $1,481
Nationwide $1,535
Geico $1,639

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.

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). Below shows Texas Bureau’s average annual cost estimates for full-coverage car insurance by age group.

AgeAnnual Cost Estimate

Texas Farm Bureau Costs: High-Risk Drivers

Drivers that have speeding tickets, DUIs and more on their records will see higher rates from Texas Farm Bureau Insurance.

Traffic ViolationAnnual Estimate For High-Risk Drivers
Speeding Tickets$1,089
Recent Accidents$1,990
DUI Convictions$1,703

*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 policyholders auto insurance discounts to help save money. 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 Car Insurance Coverage

Standard Texas Farm Bureau Car Insurance Coverage Options

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

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.
Underinsured/Uninsured Motorist Underinsured/uninsured 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 Car Insurance Coverage Options

Below are the additional coverage options offered by Texas Farm Bureau:

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 Roadside Assistance

Texas Farm Bureau Insurance's roadside assistance program covers up to $120 per service for a disabled vehicle. If you enroll you have many service coverage available to you for your vehicle including:

  • Lockout Services
  • Breakdown Services
  • Tire Replacement
  • Gas Delivery
  • Jumpstarts
  • Winching Services

To get roadside assistance for any of these services you call their 24-hour service line at (1-833-TFB-ROAD). You can enroll in the program by calling an agent at a local office which you can find using the agent locator on their website.

Texas Farm Bureau Insurance Usage-Based Insurance

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.

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. 

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 3.5 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.

Texas Farm Bureau Insurance: Additional Coverage Options

Texas Farm Bureau offers more than just car insurance options and offers many home and renters insurance policies. Below we will break down the coverage options for each and what they entail:

Texas Farm Bureau Home Insurance

As a standard Texas Farm Bureau, home insurance includes coverage for dwelling/other structures, personal property insurance, liability insurance, and loss of use insurance. Many 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 Renters Insurance

Texas Farm Bureau offers renters insurance coverage for those living in condos, apartments, or rented homes. Texas Farm Bureau standard home rental coverage includes damage from weather protection, theft protection, displacement expenses, personal property, and more. Unique to the Texas Farm Bureau renters insurance policy is coverage for stolen vehicles on your premises. Typical policies cost around $12-$25 a month and the company suggests coverage for your policy around $15,000 to $20,000 for the best protection. Deductibles are usually around 1% of your policy's value or $100.

Texas Farm Bureau Insurance Review: Conclusion

Our reviews team rates Texas Farm Bureau Insurance 4.0 out of 5.0 stars for its low rates and overall 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 somewhat limited when compared to other competitors, but the company can be a great option if you are a Texas resident.

We recommend searching around and comparing quotes before picking a provider to ensure you get the best deal and coverage for you.

Texas Farm Bureau Car Insurance Competitors: Top Picks

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 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 many positive customer service reviews.

Read moreProgressive 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

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Texas Farm Bureau Insurance Reviews: FAQ

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 highest score in customer satisfaction for its state in the J.D. Power 2022 U.S. Auto Insurance StudySM.

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 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.