Texas Farm Bureau car insurance review — is this Texas-only insurer worth joining? Texas Farm Bureau holds a 3.55% market share in the Lone Star State. That makes it the 7th largest auto insurer in Texas. It wrote over $1.24 billion in premiums in 2024. However, you must become a member to buy a policy. Annual membership dues range from $25 to $75 depending on your county. In this Texas Farm Bureau car insurance review, we break down coverage, discounts, rates, and customer ratings. The company serves policyholders across 205 county offices statewide. It offers some of the lowest auto insurance rates in Texas. For drivers seeking affordable coverage with local agent support, this insurer deserves a close look.
Texas Farm Bureau Coverage Options
Texas Farm Bureau offers all standard auto insurance coverages. These include bodily injury and property damage liability. Collision and comprehensive coverage protect your own vehicle. Medical payments coverage pays for injuries regardless of fault. Personal Injury Protection covers medical expenses, lost wages, and funeral benefits. Uninsured and underinsured motorist coverage is also available. In most cases, these options match what national carriers provide.
The company also offers several optional add-ons. Rental car reimbursement covers a temporary vehicle during repairs. Towing and labor coverage handles roadside breakdowns. Emergency roadside service provides 24/7 assistance. For example, rideshare insurance is available for Uber and Lyft drivers. This Texas Farm Bureau car insurance review found one notable gap. The company does not offer gap coverage. Drivers with a lease or loan may need to purchase that coverage separately from another provider.
Texas Farm Bureau Discounts Available
Texas Farm Bureau provides a strong lineup of discounts. The multi-vehicle discount saves up to 25% when insuring more than one car. Bundling auto and home policies saves up to 20%. Good students under 25 with a B average earn up to 15% off. A clean driving record qualifies for up to 10% off. Typically, these discounts can be combined for significant savings.
The Drive’n Save telematics program offers an instant 10% discount just for enrolling. It monitors mileage, speed, braking, and phone usage. Safe drivers earn deeper discounts over time. As a result, low-mileage rural drivers benefit the most from this program. Additional discounts include claims-free savings for three or more years without a claim. Driver training discounts apply to those under 25 who complete an accredited course. Anti-theft devices and factory safety features also reduce premiums. This Texas Farm Bureau car insurance review confirms the discount list is competitive with major national carriers.
Our Texas Farm Bureau Car Insurance Review of Customer Ratings
Texas Farm Bureau earned an 824 out of 1,000 in the J.D. Power U.S. Auto Insurance Study. It ranked first in the Texas region for 11 consecutive years. U.S. News rates it 4.3 out of 5 stars. NerdWallet gives it 4.2 out of 5 for complaint performance. NAIC data shows fewer complaints than expected for its market size. For a regional insurer, these satisfaction scores are impressive.
However, this Texas Farm Bureau car insurance review must note the AM Best downgrade. In September 2024, AM Best lowered the financial strength rating from A- to B++. The cause was a 21.5% drop in policyholder surplus. Severe Texas weather events and higher reinsurance costs drove the decline. The current outlook is stable but warrants monitoring. Customer reviews vary by platform. Clearsurance shows 4.06 out of 5 from 162 reviews. WalletHub users rate it just 2.2 out of 5.
Texas Farm Bureau Rates Compared
This Texas Farm Bureau car insurance review found rates far below the state average. Full coverage costs approximately $1,321 per year for a clean-record driver. The Texas state average is $3,297 per year. That represents roughly 60% in savings. Minimum coverage starts around $424 to $660 annually. Even after a speeding ticket, rates average just $1,323 versus the state average of $3,595.
Rates vary by age as expected. Drivers under 25 pay about $1,996 per year for full coverage. Drivers in their 30s pay approximately $1,368. Those in their 40s and 50s pay around $1,281. Seniors in their 60s pay about $1,076 annually. However, a DUI triggers roughly a 76% rate increase. An at-fault accident raises rates by about 40%. In most cases, Texas Farm Bureau still beats national competitors even after surcharges are applied.
Texas Farm Bureau Pros and Cons
Every Texas Farm Bureau car insurance review should weigh both sides carefully. Here is what stands out after examining the data.
Pros:
- Rates approximately 60% below the Texas state average for full coverage at around $1,321 per year
- Ranked first in J.D. Power Texas region customer satisfaction for 11 consecutive years with an 824 score
- Network of 205 local county offices provides personalized, in-person agent support across the state
Cons:
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- Annual membership of $25 to $75 is required before you can purchase any policy
- AM Best financial strength rating was downgraded from A- to B++ in September 2024
- No gap coverage is available, and the mobile app receives mixed user reviews across platforms
Who Should Choose Texas Farm Bureau?
This Texas Farm Bureau car insurance review identifies several ideal customer profiles. Budget-conscious Texas drivers benefit most from the low rates. Rural residents gain access to strong local agent networks. Families with multiple vehicles save up to 25% with the multi-vehicle discount. Homeowners who bundle policies earn an additional 20% off.
However, this insurer may not suit every driver. Those who want a fully digital experience may find the app limited. Drivers who lease vehicles will miss the lack of gap coverage. If financial strength ratings matter to you, the B++ rating may raise concerns. For example, drivers who prioritize an A-rated insurer may prefer State Farm or USAA. Typically, Texas Farm Bureau works best for those who value low premiums and personal service over digital convenience.
A Texas Farm Bureau car insurance review would be incomplete without mentioning the claims process. You can file claims by phone at 1-800-266-5458, online at txfb-ins.com, through the mobile app, or with your local agent. The company assigns a dedicated adjuster to investigate and evaluate damages. As a result, many policyholders appreciate the personal attention that local agents provide throughout the process.
Frequently Asked Questions
Do I need to be a farmer to join Texas Farm Bureau?
No. Anyone living in Texas can join regardless of occupation. Annual membership costs $25 to $75 depending on your county. Membership includes insurance eligibility plus over 60 additional member benefits.
How do Texas Farm Bureau rates compare to State Farm and GEICO?
This Texas Farm Bureau car insurance review shows rates about 60% below the Texas state average. State Farm and GEICO typically charge significantly more in Texas. However, those national carriers offer wider coverage options and stronger financial strength ratings.
Is Texas Farm Bureau financially stable after the 2024 AM Best downgrade?
The current B++ rating from AM Best still means “Good” financial strength. A Texas Farm Bureau car insurance review of the outlook confirms it is now stable. The downgrade reflected severe 2024 weather losses rather than long-term structural problems with the company.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed May 2026. If you notice any outdated information, please contact us.