Texas Farm Bureau Auto & Home Insurance Review
Texas Farm Bureau's cheap quotes and excellent customer service make it a great option for most people. ValuePenguin gives it 4.2 out of 5 stars.
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Is Texas Farm Bureau insurance good?
Texas Farm Bureau is good for most people in Texas.[/foramt] ValuePenguin's insurance experts give Texas Farm Bureau a rating of 4.2 out of 5 stars. The company has very affordable car and home insurance rates and great customer service reviews.However, you do have to join the Texas Farm Bureau to get insurance. The membership fee changes depending on where you live in Texas. If you're interested in getting insurance, make sure you check the membership fee for your county and account for that cost as you compare companies.
ValuePenguin rating: Texas Farm Bureau
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 3.3/5 |
| Customer service | 4.1/5 |
| Unique value | 5/5 |
Is Texas Farm Bureau insurance good?
Texas Farm Bureau is good for most people in Texas.[/foramt] ValuePenguin's insurance experts give Texas Farm Bureau a rating of 4.2 out of 5 stars. The company has very affordable car and home insurance rates and great customer service reviews.However, you do have to join the Texas Farm Bureau to get insurance. The membership fee changes depending on where you live in Texas. If you're interested in getting insurance, make sure you check the membership fee for your county and account for that cost as you compare companies.
ValuePenguin rating: Texas Farm Bureau
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 3.3/5 |
| Customer service | 4.1/5 |
| Unique value | 5/5 |
Read the full breakdown of how ValuePenguin reviews insurance companies.
On this page
Texas Farm Bureau pros and cons
Pros
- Cheap rates
- Good customer service
- Extra membership benefits
Cons
- Membership required
- No online home insurance quotes
Texas Farm Bureau auto insurance review
ValuePenguin gives Texas Farm Bureau car insurance a score of 4.5 out of 5.
Texas Farm Bureau has some of the cheapest car insurance in the state. Plus, the company generally has good customer service. The coverage options are fairly standard, but there are a few useful extras you can add, including car rental car coverage and roadside assistance.
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ValuePenguin rating: TX Farm Bureau car insurance
Overall rating:
4.5/5
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 5/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
ValuePenguin gives Texas Farm Bureau car insurance a score of 4.5 out of 5.
Texas Farm Bureau has some of the cheapest car insurance in the state. Plus, the company generally has good customer service. The coverage options are fairly standard, but there are a few useful extras you can add, including car rental car coverage and roadside assistance.
ValuePenguin rating: TX Farm Bureau car insurance
Overall rating:
4.5/5
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 5/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
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Texas Farm Bureau auto insurance quotes
Full coverage car insurance from Texas Farm Bureau costs an average of $95 per month.
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- On average, Texas Farm Bureau has the cheapest full and minimum coverage rates in Texas.
- At $95 per month, on average, Texas Farm Bureau's average rate for full coverage is about two-thirds cheaper than the state average of $264.
- State Farm and Geico are also cheap choices, but still cost significantly more each month compared to Texas Farm Bureau.
Texas Farm Bureau full coverage car insurance rates vs. competitors
Company |
Value Penguin rating
| Monthly full cov. rate | |
|---|---|---|---|
| Texas Farm Bureau | $95 | ||
| State Farm | $143 | ||
| Geico | $178 | ||
| Progressive | $283 | ||
| Farmers | $406 | ||
| Allstate | $556 | ||
| USAA* | $189 | ||
*USAA is only available to military members, veterans and certain family members.
Texas Farm Bureau also has cheap rates for state minimum coverage at $35 per month. That's well below the state average of $95.
In Texas, state minimum coverage means you must have at least the following limits:
- Bodily injury liability: $30,000 of bodily injury coverage per person and $60,000 per accident
- Property damage liability: $25,000
Keep in mind that state minimum coverage is very low. You don't have much protection if you cause an accident, which means you might have to pay for some of the damages and injuries you cause yourself. And you don't have any coverage for damage to your own car. Unless you truly can't afford anything else, state minimum coverage usually isn't a good idea.
Texas Farm Bureau minimum coverage car insurance rates vs. competitors
Company |
Value Penguin rating
| Monthly full cov. rate | |
|---|---|---|---|
| Texas Farm Bureau | $35 | ||
| Geico | $70 | ||
| State Farm | $71 | ||
| Progressive | $102 | ||
| Farmers | $147 | ||
| Allstate | $184 | ||
| USAA* | $59 | ||
*USAA is only available to military members, veterans and certain family members.
Texas Farm Bureau is also a cheap choice for drivers with tickets, accidents or DUIs, as well as teens.
Rates after a ticket
$95/mo
$320/mo
Rates after a DUI
$180/mo
$397/mo
Rates after an accident
$150/mo
$482/mo
Rates for teens
$157/mo
$708/mo
Texas Farm Bureau car insurance coverage
Texas Farm Bureau only advertises three car insurance add-ons. That's far fewer options than most major insurance companies offer.
- Roadside assistance: Texas Farm Bureau roadside assistance pays up to $120 total for towing services, flat tire repair, locksmith services, fuel delivery and winching if your car gets stuck on the side of the road.
- Car rental reimbursement: Rental reimbursement coverage pays for a rental car while your vehicle is in the repair shop after an accident, even if it wasn't your fault.
- Death indemnity: Death indemnity coverage pays a set dollar amount to a person of your choosing, called a beneficiary, if you or one of your passengers is killed in an accident.
Additionally, you can buy standard car insurance coverage, including:
- Bodily injury liability
- Property damage liability
- Uninsured and underinsured motorists
- Personal injury protection (PIP)
Texas Farm Bureau doesn't advertise popular coverages like new car replacement, which pays to replace your new car with a brand new model if it's totaled in an accident. You may not be able to get gap insurance or accident forgiveness, either.
Texas Farm Bureau auto insurance discounts
Texas Farm Bureau offers a number of common discounts. However, most major car insurance companies offer more ways to save.
- Multi-policy: Save money when you bundle your auto insurance policy with a home, farm or ranch policy from Texas Farm Bureau.
- Multi-car: If you insure two or more vehicles on the same Texas Farm Bureau policy, you get a discount on each one.
- Claims free: If you haven't filed a car insurance claim in three years or more, you'll get a discount.
- Driver training: If you or someone on your policy is younger than 25 years old, you can get a discount for taking an accredited driver training course. Just make sure to clear the course with Texas Farm Bureau first, to make sure it's approved.
- Good student: Students under 25 years old get a discount when they earn a "B" average or better in school.
- Vehicle safety: Automatically get a discount if your car has certain factory-installed safety features, such as seatbelts or daytime running lights.
Texas Farm Bureau also offers a safe driving program, called Drive'n Save.
This program, called a telematics program, uses an app on your phone to track your driving habits and rewards safe drivers with a discount. To calculate your discount, Texas Farm Bureau considers:
- How many miles you drive
- The time of day
- Your speed
- Sudden breaking
- Cellphone usage while driving
Texas Farm Bureau auto insurance reviews and ratings
Texas Farm Bureau generally has good customer service.
The company only gets about a third as many complaints as expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). This means most people are happy with the service they get from Texas Farm Bureau.
Choosing a company with good customer service makes it more likely that you'll have a smooth experience if you need to file a claim. That could mean getting your car repaired faster and not having to fight over costs.
However, J.D. Power ranked Texas Farm Bureau slightly below average for overall customer satisfaction. If you're considering getting a quote, it might be helpful to talk to a current Texas Farm Bureau member first, to learn more about their experience.
Texas Farm Bureau home insurance review
Texas Farm Bureau is the best choice for most homeowners in Texas.
It has cheap rates and good customer service. However, the company doesn't share much info about its discounts or coverage add-ons on its website. So you’ll have to talk to an agent to get details about its specific offerings.
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ValuePenguin rating: TX Farm Bureau home insurance
Overall rating:
4/5
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 1.6/5 |
| Customer service | 5/5 |
| Unique value | 5/5 |
Texas Farm Bureau is the best choice for most homeowners in Texas.
It has cheap rates and good customer service. However, the company doesn't share much info about its discounts or coverage add-ons on its website. So you’ll have to talk to an agent to get details about its specific offerings.
ValuePenguin rating: TX Farm Bureau home insurance
Overall rating:
4/5
Rating breakdown | |
|---|---|
| Price | 5/5 |
| Coverage | 1.6/5 |
| Customer service | 5/5 |
| Unique value | 5/5 |
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Texas Farm Bureau home insurance quotes
A Texas Farm Bureau home insurance policy with $350,000 in dwelling coverage costs $2,506 per year, on average.
Texas Farm Bureau home insurance rates vs. competitors
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- The only company with cheaper average quotes than Texas Farm Bureau is Mercury. You should compare quotes from both companies to see which has the best rates for you.
- If you want excellent customer service, it might be worth it to pay a little more for a policy from Texas Farm Bureau. Plus, you get extra membership benefits.
Texas Farm Bureau home insurance rates vs. competitors
Company |
Value Penguin rating
| Annual rate | |
|---|---|---|---|
| Mercury | $1,453 | ||
| Texas Farm Bureau | $2,506 | ||
| Farmers | $3,728 | ||
| State Farm | $3,874 | ||
| Allstate | $4,855 | ||
| Nationwide | $5,985 | ||
| USAA* | $4,268 | ||
*USAA is only available to military members, veterans and certain family members. All rates are for $350,000 in dwelling coverage.
Texas Farm Bureau is a cheap option even if you need more or less coverage on your house.
Rates for $200K dwelling coverage
$1,726/yr
$2,519/yr
Rates for $500K dwelling coverage
$2,998/yr
$5,135/yr
Rates for $350K dwelling coverage
$2,506/yr
$3,969/yr
Rates for $1 million dwelling coverage
$4,143/yr
$9,004/yr
Rates for $200K dwelling coverage
$1,726/yr
$2,519/yr
Rates for $350K dwelling coverage
$2,506/yr
$3,969/yr
Rates for $500K dwelling coverage
$2,998/yr
$5,135/yr
Rates for $1 million dwelling coverage
$4,143/yr
$9,004/yr
Texas Farm Bureau homeowners insurance coverage
Farm Bureau doesn't advertise any optional add-on coverages for its home insurance policies.
You can probably still customize your policy, but you'll need to call an agent to find out what options are available.
Home insurance from Texas Farm Bureau includes the four main coverages you'd expect from any basic policy:
- Dwelling coverage, which pays for damage to the structure of your home, like its roof, walls or floors.
- Personal property coverage, which pays to fix or replace your damaged or stolen belongings, like a tv, a couch or clothing.
- Personal liability insurance, which helps cover the cost of lawsuits if you accidentally hurt someone or damage their property.
- Loss of use coverage, which pays for a hotel and other expenses if your home is damaged and you have to temporarily move out while it's repaired.
This is enough coverage for many people.
However, Texas homeowners looking for extra protection for things like identity theft, broken service lines or hidden water leaks should call a Texas Farm Bureau agent to make sure they offer the add-ons.
Texas Farm Bureau home insurance discounts
Texas Farm Bureau only advertises a few discounts:
- Central alarm systems: If you have an alarm system that calls emergency services automatically, you could get a discount.
- Impact-resistant roofing: You'll save on your home insurance if your roof is made of materials resist the impacts of hail and other falling objects.
- Dry fire hydrants: If you live near a fire hydrant that's connected to a water source such as a pond or stock tank, you could get a discount. These are commonly called "dry fire hydrants."
- Companion policies: Buying your home insurance along with a car insurance or other type of policy from Texas Farm Bureau could help you save. This is another term for a bundling or multi-policy discount.
There may be other ways to save, but you'll need to talk to an agent to find out how.
Texas Farm Bureau home insurance reviews and ratings
Texas Farm Bureau has excellent home insurance customer service, which can be very helpful if you ever need to file a claim.
The company only gets about a fourth of the complaints that an average company its size gets, according to the National Association of Insurance Commissioners (NAIC). That means very few people complain about Texas Farm Bureau's home insurance customer service.
Other Texas Farm Bureau insurance policies
Along with car and home insurance, Texas Farm Bureau sells several other types of policies.
- Farm and ranch coverage
- Business insurance
- Life insurance
Texas Farm Bureau is an excellent choice for farm and ranch insurance.
The company offers specific coverage options tailored to the needs of farmers, such as coverage for livestock and farm buildings, as well as coverage for any farm hands you employ.
You also get extra perks from your membership in the Texas Farm Bureau. With your membership, you'll get access to farm and agriculture news, leadership programs and agriculture advocacy. You'll also get discounts on farm equipment like Caterpillar and John Deere equipment.
Texas Farm Bureau membership benefits
Membership in the Texas Farm Bureau gives you access to health and dental insurance, discounts on farm equipment, savings on travel and more.
Membership costs depend on the Texas county you live in. To find out how much your membership would cost, either apply online or contact your county Farm Bureau board.
Perks of membership include:
- Health and dental insurance
- Vision care discounts
- Prescription discounts
- Savings on cars and farm equipment
- Travel discounts, such as savings on hotels and amusement parks
- Access to Farm Bureau financial products, like insurance and banking
- Gym membership discounts
- Savings on Apple, Dell and HP products
Texas Farm Bureau vs. other companies
Texas Farm Bureau vs. State Farm
Texas Farm Bureau | State Farm | |
|---|---|---|
| Auto rates | Cheap | Cheap |
| Home rates | Cheap | Average |
| Auto service | Good | Good |
| Home service | Excellent | Average |
Texas Farm Bureau vs. Farmers
Texas Farm Bureau | Farmers | |
|---|---|---|
| Auto rates | Cheap | Expensive |
| Home rates | Cheap | Average |
| Auto service | Good | Average |
| Home service | Excellent | Average |
Texas Farm Bureau vs. Progressive
Texas Farm Bureau | Progressive | |
|---|---|---|
| Auto rates | Cheap | Expensive |
| Auto service | Good | Average |
| Home service | Excellent | Below average |
Home insurance rates were not available for Progressive in Texas.
Frequently asked questions
How much is insurance at Texas Farm Bureau?
Texas Farm Bureau sells some of the cheapest car and home insurance in the state. Car insurance costs an average of $95 per month for full coverage, while a home insurance policy costs an average of $2,506 per year for $350,000 in dwelling coverage.
Is Texas Farm Bureau a good car insurance company?
Yes, Texas Farm Bureau is good car insurance company. It has cheap rates and good customer service, although it doesn't advertise many add-ons. However, you do have to join the Texas Farm Bureau to get coverage. A membership might not be worth it for everyone, but it usually makes sense if the insurance rates are cheap for you.
Do you have to be a member to get Texas Farm Bureau insurance?
Yes, you have to join the Texas Farm Bureau to buy insurance from the company. Membership rates depend on where you live in Texas. Since it's one of the cheapest car insurance companies in Texas, it might be worth it, even with the added membership cost.
Methodology
To compare the cost of car insurance at Texas Farm Bureau to other major companies in the state, ValuePenguin collected over quotes from major insurance companies in every residential Texas ZIP code. Rates are for a 30-year-old single man with good credit and a clean driving record who owns a 2018 Honda Civic EX.
Full coverage quotes are for a policy with collision, comprehensive and liability coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
To compare Texas Farm Bureau's home insurance quotes to its competitors, ValuePenguin editors gathered 170,262 quotes from eight top companies. Home insurance quotes are for a 45-year-old married man with good credit and no prior home insurance claims. Policies include $100,000 of personal liability coverage, $5,000 of medical payments coverage and a $1,000 deductible.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
