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.
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Editor's Rating
Is Texas Farm Bureau insurance good?
Texas Farm Bureau is a good choice for most people living in the state of Texas. It has very affordable car and home insurance rates and great customer service reviews.
The main downside to Texas Farm Bureau is its lack of coverage add-ons. Its basic policies include enough protection for most people, but it may not be the right fit if you want extra coverage, like new car replacement or identity theft coverage.
In addition, you have to be a Farm Bureau member to buy its insurance. Membership typically costs $50 per year. However, its cheap rates mean most people can save that amount just by switching to Texas Farm Bureau.
Texas Farm Bureau pros and cons
Pros
Very affordable car and home insurance
Excellent customer service
Cons
Limited coverage add-ons
Can't get a home insurance quote online
Only available in Texas
Texas Farm Bureau auto insurance review
Texas Farm Bureau's car insurance is an excellent option for most people in Texas.
It has some of the cheapest car insurance in the state, along with reliable customer service.
Texas Farm Bureau's coverage options are fairly limited. So, it may not be the best choice if you want extra protection for your car, such as gap insurance or new car replacement.
Texas Farm Bureau auto insurance quotes
Texas Farm Bureau has the cheapest car insurance quotes for most people in Texas.
Full coverage car insurance from Texas Farm Bureau costs an average of $86 per month. That's less than half the average cost in Texas, which is $182 per month. It's also $26 per month cheaper than the second-cheapest company, State Farm.
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Texas Farm Bureau insurance quotes vs. competitors
Company | Monthly rate | |
|---|---|---|
| Texas Farm Bureau | $86 |
| State Farm | $112 |
| Geico | $164 |
| Allstate | $169 |
| Progressive | $220 |
*USAA is only available to current and former military members and their families.
Texas Farm Bureau also has the cheapest minimum liability coverage, along with the most affordable rates for young drivers and people with a speeding ticket.
Texas Farm Bureau offers below-average rates if you have poor credit or a recent accident or DUI on your record. But it's not typically the cheapest option for these drivers.
$65/mo
$222/mo
$86/mo
$221/mo
$195/mo
$398/mo
$137/mo
$337/mo
$166/mo
$3255/mo
Texas Farm Bureau discounts for car insurance
Texas Farm Bureau offers a number of common discounts. However, most major car insurance companies offer more ways to save.
Save money when you bundle your auto insurance policy with a home, farm or ranch policy from Texas Farm Bureau.
Get a discount when you insure two or more vehicles on the same Texas Farm Bureau policy.
Earn a discount if you haven't filed a car insurance claim in three years or longer.
Drivers younger than 25 years old can earn a discount after completing an accredited driver training course.
Students under 25 years old get a discount when they earn a "B" average or better in school.
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 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
TX Farm Bureau car insurance coverage
Aside from standard car insurance coverages, Texas Farm Bureau only offers three add-ons to upgrade your protection. That's far fewer options than most major insurance companies offer.
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.
Rental reimbursement coverage pays for a rental car while your vehicle is in the repair shop after an accident, regardless of whose fault it is.
Death indemnity coverage pays a set dollar amount if you or one of your passengers is killed in an accident.
However, you can't get 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. Texas Farm Bureau also doesn't offer gap insurance or accident forgiveness.
Texas Farm Bureau home insurance review
Texas Farm Bureau is a good choice for most homeowners.
It offers great customer service at an affordable price.
However, the company doesn't share much info about its discounts or coverage add-ons publicly. So you’ll have to talk to an agent to get details about its specific offerings.
Texas Farm Bureau home insurance quotes
Texas Farm Bureau has some of the cheapest home insurance in the state, regardless of how much coverage you need.
For example, a Texas Farm Bureau policy with $350,000 of dwelling coverage costs around $2,506 per year, which is half the statewide average.
It also has the most affordable rates for expensive homes. A policy with $1 million of dwelling coverage costs $4,143 per year, on average. That's less than half the average cost in Texas.
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The only company with cheaper quotes than Texas Farm Bureau is Mercury. You should compare quotes from both companies to see which has the best rates for you.
Annual home insurance quotes by dwelling limit
Company | $200,000 | $350,000 | $500,000 | $1 million |
|---|---|---|---|---|
| Mercury | $855 | $1,312 | $1,871 | $3,725 |
| Texas Farm Bureau | $1,726 | $2,506 | $2,998 | $4,143 |
| USAA* | $2,548 | $3,895 | $5,117 | $9,087 |
| State Farm | $2,555 | $3,529 | $4,405 | $7,167 |
| Allstate | $2,650 | $4,686 | $6,378 | $10,944 |
*USAA is only available to military members, veterans and some of their family members.
$200,000
Company | Annual rate | |
|---|---|---|
| Mercury | $855 |
|
| Texas Farm Bureau | $1,726 |
| USAA* | $2,548 |
|
| State Farm | $2,555 |
|
| Allstate | $2,650 |
$350,000
Company | Annual rate | |
|---|---|---|
|
| Mercury | $1,312 |
|
| Texas Farm Bureau | $2,506 |
|
| State Farm | $3,529 |
|
| USAA* | $3,895 |
|
| Allstate | $4,686 |
$500,000
Company | Annual rate | |
|---|---|---|
| Company | $500,000 | |
|
| Mercury | $1,871 |
|
| Texas Farm Bureau | $2,998 |
|
| State Farm | $4,405 |
|
| USAA* | $5,117 |
$1 million
Company | Annual rate | |
|---|---|---|
| Company | $1 million | |
|
| Mercury | $3,725 |
|
| Texas Farm Bureau | $4,143 |
|
| State Farm | $7,167 |
|
| USAA* | $9,087 |
Texas Farm Bureau homeowners insurance coverage and discounts
Texas Farm Bureau shares very little info about its home insurance policy publicly.
You'll have to call or email an agent to find out what coverage add-ons and discounts are available near you.
Texas Farm Bureau homeowners insurance coverage
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 most people.
However, Texas homeowners looking for extra protection for things like identity theft, broken service lines or hidden water leaks should consider Mercury instead. It is typically very affordable and offers lots of ways to personalize your coverage.
Texas Farm Bureau home insurance discounts
Texas Farm Bureau offers a few common home insurance discounts, such as a discount for bundling your home and auto insurance or installing an alarm system. You may be able to get other discounts, but you'll need to talk to an agent to see what's available in your area.
Texas Farm Bureau insurance reviews
Texas Farm Bureau has excellent customer service, which can be very helpful if you ever need to file a claim.
Texas Farm Bureau customer service ratings
Score | |
|---|---|
| J.D. Power auto | 2nd out of 10 |
| Auto complaints | 81% fewer than average |
| Home complaints | 61% fewer than average |
| Financial strength | B++ |
Texas Farm Bureau earned second place on J.D. Power's auto insurance study for the Texas region. The only company with a higher score is USAA, which is only available to people with military ties.
It also gets 81% fewer auto insurance complaints than an average company its size. and 61% fewer home insurance complaints. That means you can count on Texas Farm Bureau to get your life back to normal quickly after an emergency.
The main drawback of Texas Farm Bureau is its financial strength rating. AM Best gave Texas Farm Bureau a B++, or "good" financial strength score, which means it will most likely be able to pay customer claims, even in difficult situations. However, most major insurance companies — like State Farm, Geico or Allstate — are rated A+ or better.
While Texas Farm Bureau probably won't have an issue paying your claim, it may run into problems if there are multiple statewide emergencies in a year, like major hurricanes or ice storms.
Texas Farm Bureau membership benefits
Before you buy insurance from Texas Farm Bureau, you have to get a membership. Membership usually costs around $50 per year. But, it comes with lots of perks and savings that may make up for the added cost.
Texas Farm Bureau members can get health and dental insurance, along with discounts on prescriptions, eyeglasses and lenses, through the company. It also offers discounts on lots of different products and services, including:
- Travel, including hotels, rental cars and cruises
- Cars, trucks or tractors
- Gym memberships
- Accidental death insurance
- Technology products like Apple, Dell and HP
- Stores like Office Depot and Sherwin Williams
Frequently asked questions
How much is insurance at Texas Farm Bureau?
Texas Farm Bureau has some of the cheapest auto and home insurance in the state. Car insurance costs around $86 per month for full coverage, while a home insurance policy costs an average of $2,506 per year.
Is Texas Farm Bureau insurance any good?
Yes, Texas Farm Bureau is a great choice for most people. It offers great customer service at an affordable rate. But it may not have enough coverage options if you're looking for a policy with lots of extra protection, like new car replacement.
Do you have to be a member to get Texas Farm Bureau insurance?
Yes, you must be a Texas Farm Bureau member to buy insurance from the company. However, membership only costs around $50 per year. Since it's one of the cheapest car insurance companies in Texas, most drivers can save at least that amount just by switching to Texas Farm Bureau.
Methodology
To compare the cost of car insurance at Texas Farm Bureau to other major companies in the state, ValuePenguin collected over 800,000 quotes from 2,040 Texas ZIP codes. Rates are for a 30-year-old single man with good credit and a clean driving record who owns a 2015 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: $25,000 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 over 88,000 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.
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.
