Texas Farm Bureau Auto Insurance Review (2024)

Texas Farm Bureau (TFB) has been the top auto insurance company in Texas for customer satisfaction for over a decade. Despite not having the lowest rates, the company earns high ratings for financial strength, claims handling, and overall policy satisfaction.

However, coverage is limited to members who live and register their vehicles in Texas.

If you need auto insurance in Texas, start comparing Farm Bureau insurance in Texas with other companies to see what kind of rates you qualify for. Monthly quotes are likely to be higher than average, but you can earn a discount if you bundle coverage with your TFB home insurance or other policies.

Keep reading to learn more about the auto insurance discounts you can earn and the kinds of coverage TFB offers. We explain how to sign up for a Texas Farm Bureau membership and how much it costs on top of your monthly auto insurance rates.

What You Should Know About Texas Farm Bureau Mutual Insurance Company

Texas Farm Bureau insurance is a competitive option for Texas drivers, but what constitutes good auto insurance depends on your unique needs. If you’re already a member of the Texas Farm Bureau and have home insurance with the company, then buying TFB auto insurance is a great way to bundle policies and save money.

TFB memberships aren’t free, but it only costs around $50 a year to join and qualify for coverage. Still, even without a membership, you’re likely to find more affordable insurance rates by comparing quotes from other companies.

However, there’s more to auto insurance than just price, and Texas Farm Bureau car insurance reviews consistently praise the company for stellar customer service ratings. The company’s financial scores are strong as well.

As you shop around for affordable auto insurance, look for companies with cheap rates, high financial ratings, and low complaint ratios from the National Association of Insurance Commissioners (NAIC). This will give you a good picture of what kind of company it is and whether it’s right for you.

Let’s go over the Texas Farm Bureau insurance ratings.

Texas Farm Bureau Financial Strength

The company earns an “excellent” A- financial rating from A.M. Best and is financially well-equipped to pay out on customer claims.

Over the years, A.M. Best has revised its ratings for the company from “A” to “A-.” Both grades are considered “excellent,” but Texas Farm Bureau poses a credit risk simply because it only operates in one state (Texas).

Texas Farm Bureau Customer Service

When it comes to customer satisfaction, Texas Farm Bureau is one of the best. It recently earned the top spot in the J.D. Power Auto Insurance Customer Satisfaction survey for the 11th year in a row and consistently scores higher than State Farm and Geico, despite having much higher rates on average.

The NAIC also ranks customer satisfaction using their complaint index. The median score is 1.00, and Texas Farm Bureau’s score is 0.42, meaning it receives less than half the number of complaints of other insurance companies its size.

The Better Business Bureau (BBB) is another third-party entity that grades companies on their customer satisfaction. The BBB gives TFB an A+. Customers only rank it 2.5/5 stars for slow response times on claims, but a majority of the Texas Farm Bureau complaints involve its home insurance coverage.

There are a few issues with customers being unable to navigate the website or mobile app easily, but Texas Farm Bureau is quick to address complaints.

Texas Farm Bureau Claims Handling

The few complaints against the company do involve claims handling, especially a slow response time. Most complaints are directed toward the TBC home insurance claims department, but some have had negative experiences with auto insurance when trying to file a claim.

Many of these complaints are not from customers but from drivers who were injured in an accident caused by someone who carries Texas Farm Bureau insurance. Learn how to file an auto insurance claim accurately to improve your experience.

Texas Farm Bureau Mobile App

The company’s mobile insurance app is not well-reviewed on the Apple App Store or Google Play Store — it earned 2.4/5 and 3.5/5 stars, respectively. Users complain of a clunky interface and slow connections, although that could be a reflection of the reviewer’s phone and internet service provider as much as the app.

The TFB mobile app allows policyholders to:

• File an insurance claim
• Call roadside assistance
• Get in touch with an agent
• Look at policy details

Unfortunately, you can’t make payments through the app, so use your Texas Farm Bureau login on the company website to pay insurance bills. If you want to cancel coverage or make changes to your policy, you’ll need to call an agent.

Texas Farm Bureau Membership

The biggest disadvantage to Texas Farm Bureau insurance is that your eligibility is contingent upon membership. Drivers must be a member and pay the dues in order to buy auto insurance from TFB.

How much does it cost to join the Texas Farm Bureau? Annual membership dues are anywhere between $35 and $50, but the county you live in determines how much you’ll pay. Your county and ZIP code will also influence your insurance costs, so add any membership fees to your monthly rates to get the most accurate quotes.

To be a TFB member, you must be a Texas resident, but you’ll enjoy exclusive access to discount insurance, prescription drugs, farm equipment, and more.

Texas Farm Bureau Mutual Insurance Company Insurance Coverage Options

Texas Farm Bureau car insurance is fairly standard, offering policy options for the average driver, including:

• Liability insurance. You must carry the state minimums for car insurance in Texas of 30/60/25 in bodily injury and property liability to drive legally.
• Collision insurance. Pays for damages to your vehicle in an auto accident or other covered collision.
• Comprehensive insurance. Pays for damages to your vehicle caused by anything other than an accident, including fire, theft, and weather-related events.
• Uninsured/underinsured motorist protection. Pays for damages if you are hit by an uninsured driver or you’re the victim of a hit-and-run accident.
• Medical payments coverage (MedPay). Covers medical bills and rehabilitation costs after an accident but will not cover lost wages.
• Personal injury protection (PIP). Covers medical bills, missed wages, and some daily care costs after an auto accident. Texas law requires all insurers to offer at least $2,500 in PIP, but drivers can choose to add more.
• Non-owner insurance. Provides minimum liability insurance to members who don’t own a car but drive regularly.

TFB also offers commercial auto insurance for fleets and business-use driving. There is no specific rideshare insurance option on the company’s website, but it encourages rideshare drivers to speak with an agent to ensure they’re properly covered.

Drivers who need specialized coverage for sports cars, collector or classic cars, or even motorcycle insurance will likewise need to shop elsewhere.

Texas Farm Bureau Auto Insurance Add-Ons

There are very few ways to customize auto coverage at Texas Farm Bureau, but drivers can choose from three add-ons:

• Rental car reimbursement. Pays for a rental car while your vehicle is in the shop after a covered claim. Limits apply.
• Roadside assistance. Covers towing and other services if your vehicle breaks down.
• Death indemnity. Limited life insurance coverage (usually up to $10,000) if you or a family member are killed in an auto accident.

These are excellent add-ons for the average driver, but if you need more options when it comes to your policy, use our free tool below to start comparing insurance quotes from other companies.

Texas Farm Bureau SR-22 Insurance

If you lost your license after a DUI or reckless driving violation, you might need to file an SR-22 certificate to reinstate insurance coverage and your driving privileges. Fortunately, Texas Farm Bureau files SR-22s for high-risk drivers.

SR-22 auto insurance is not actual coverage but an official document proving you meet the state minimum liability requirements to reinstate your license. If you need an SR-22 in Texas, ask your insurer to file the form with the DMV on your behalf. You will have to pay the annual filing fee, and you’ll see your insurance rates go up at your next renewal period.

If you don’t own a car but drive regularly, shop for Texas Farm Bureau non-owner SR-22 insurance to meet the reinstatement requirements.

What other types of insurance does Texas Farm Bureau sell?

Texas Farm Bureau is much more popular as a farm and home insurance company because it offers unique and personalized policy options for property owners and renters. It also offers business property and liability coverage that is customizable to farmers and ranchers.

Be aware that homeowners insurance through TFB comes in named-peril policies, meaning that coverage only applies to the incidents specifically listed in your policy. The good news here is that the named perils in Texas Farm Bureau policies are the same as in most standard home policies.

A standard home policy with TFB comes with:

• Personal property insurance
• Loss of use coverage
• Liability insurance
• Medical payments coverage

Renters can also enjoy auto theft coverage if their vehicle is stolen from their residence.

TFB members also have access to exclusive life and health insurance plans. Texas Farm Bureau life insurance options include term, convertible term, and whole life policies, as well as add-ons for long-term care and accidental death. Health insurance through TFB is available year-round, meaning members do not have to wait for the annual enrollment period to get coverage.

Texas Farm Bureau Mutual Insurance Company Insurance Rates Breakdown

Overall, Texas Farm Bureau is affordable for older drivers with clean records who already have other TFB policies. Members can save when bundling auto insurance with another policy, and you can save even more if you practice safe driving habits and avoid filing claims.

Texas Farm Bureau Insurance Rates by City

Just as your TFB membership costs depend on your city and county, so do your auto insurance rates. Drivers in big cities pay higher rates due to increased traffic and the greater likelihood of auto theft.

For example, auto insurance in Dallas and Houston is more expensive than in smaller cities like Lubbock. Although drivers in geographically small cities like Austin should keep in mind that population growth contributes to denser traffic and higher insurance rates.

Texas is also among the worst states for traffic-related fatalities, with more deaths per year from auto accidents than other states. It also has a high rate of pedestrian and cyclist deaths.

These high-risk variables will influence your auto insurance rates, even if you are a safe driver who manages to remain accident-free. That’s why it’s important to compare quotes from multiple companies to find out which is the most affordable where you live.

Compare Texas Farm Bureau insurance quotes against the top 10 insurance companies in the country to see which offers the best rates in your city. Scroll through the following sections to compare quotes by age, coverage type, credit score, and driving record.

Texas Farm Bureau Insurance Rates by Age and Gender

Your age will have the biggest influence on your auto insurance rates. Young drivers are considered high risk and pay higher rates with every company, and TFB is no different. The table below shows how auto insurance quotes vary by age and gender.

Full Coverage Auto Insurance Monthly Rates by Age and Gender

Teen males pay the most for insurance with Texas Farm Bureau, as they do with pretty much every insurance company. Older drivers in their 40s and 50s pay lower rates, but they’re still higher than the rates of many competitors.

Other companies have cheaper insurance if there’s a young driver in your household. Compare quotes from the best auto insurance companies for teens and young drivers and ask about adding your teen as a driver to your existing policy. Your rates will go up but not nearly as high as the quotes listed above. Find out more about the average auto insurance rates by age.

Texas Farm Bureau Insurance Rates by Coverage

Rates also depend on the level of coverage you buy. The average monthly cost of liability insurance in Texas is $55, but your rates will likely climb to $150 if you choose to carry collision and comprehensive insurance with a full coverage policy.

Auto Insurance Monthly Rates by Coverage Level and Provider

Texas auto insurance is more expensive than average and Texas Farm Bureau isn’t doing you any favors. You might qualify for lower rates with discounts, but you can likely find cheaper coverage with another company.

Texas Farm Bureau Insurance Rates by Credit Score

Texas law allows insurance companies to use credit scores when determining risk and rates, and a low score can mean higher rates.

Insurers consider drivers with poor credit to be more likely to file a claim than drivers with good credit.

Average Monthly Auto Insurance Rates by Credit Rating

State Farm and Travelers are far better companies in terms of rates for drivers with bad credit. Fortunately, your rates will go down as you work to improve your score by paying bills on time or consolidating your debt.

Texas Farm Bureau Insurance Rates by Driving Record

Along with age and credit standing, your driving record determines how much you pay for car insurance. Clean records free of accidents and claims will get the lowest average rates, while one speeding ticket could raise your rates by at least 10%.

Below we compare the average cost of auto insurance after a ticket, accident, and DUI between the top companies to see how affordable TFB really is.

Rates After a Speeding Ticket

Texas is one of the fastest states in the country, with posted speed limits of up to 85 mph on some roads. Still, drivers will be ticketed for speeding and reckless driving, and these charges can stay on your record for at least three years.

Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record

It may not seem like a lot, but a 10% rate increase for just one ticket equates to an extra $20-$30 per month.

Each insurance company treats moving violations differently. For example, Geico and State Farm offer the cheapest insurance after a speeding ticket, but Nationwide won’t raise your rates nearly as high. Learn more about how a speeding ticket affects your auto insurance rates before you buy to get the most affordable coverage.

Rates After an Accident

Auto accidents, at-fault collisions, or anything that results in an insurance claim is guaranteed to raise your rates. The more claims and accidents on your record, the riskier you are to insure, and the higher your rates will be.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Just one at-fault accident raises your rates pretty significantly with Texas Farm Bureau.

However, if you have multiple accidents and lose your driver’s license, your current insurance company might drop you too. In that case, Texas Farm Bureau may be a competitive option if you have become too high risk for standard insurers.

Rates After a DUI

On average, insurance rates rise by 74% after a DUI. DUI/DWI charges can also cost you your license and auto insurance policy, making it difficult and downright expensive to get coverage again.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Texas Farm Bureau is not among the cheapest auto insurance companies for DUIs. State Farm and Progressive offer lower rates. Find out what is considered DUI here.

Texas Farm Bureau Mutual Insurance Company Discounts Available

When it comes to Texas Farm Bureau car insurance, discounts could make or break your quotes. Members who already have home or other types of property insurance through TFB qualify for extra savings with a multi-policy discount and more:

• Multi-policy discount. Bundling your home and auto policies can help you reduce both insurance rates.
• Multi-vehicle discount. Insuring more than one car on a single policy will help you save money.
• Claim-free discount. Remaining claim and accident-free will add up to savings on your annual car insurance bill.
• Anti-theft device discount. Installing cameras, GPS trackers, or alarm systems will earn you a discount on your rates.
• Passive restraint discount. Driving a vehicle with seatbelts, airbags, and other passive restraints installed will help you save money on insurance.
• Good student discount. Young drivers under 25 qualify for additional discounts if they maintain a GPA of 3.0 or higher while enrolled as full-time students.
• Safe driver discount. Complete an approved driver education course to earn this discount.

These are the types of auto insurance discounts you typically see with all companies, and most insurers offer a much longer list of discounts based on occupation, education, and more.

Another Texas insurer likely offers better rates and discounts. But make sure to ask a Texas Farm Bureau representative about what kinds of savings you qualify for to get the most accurate estimate possible.

How Texas Farm Bureau Mutual Insurance Company Ranks Among Providers

If you’re interested in becoming a TFB member or already are one, then comparing auto insurance quotes is the next step. Texas Farm Bureau insurance is more expensive than average, but your individual rates will depend on personal variables and driving experience.

Texas Farm Bureau considers the following when setting your insurance rates:

• Location. The population, traffic density, and auto theft rates where you live influence how much you pay.
• Age. Younger drivers pay more for insurance due to inexperience behind the wheel.
• Gender. Statistically, men are more likely to get into accidents and file claims, meaning women save money on car insurance.
• Coverage. Liability-only insurance is the least expensive, so your rates will increase if you carry more coverage.
• Credit score. Texas law allows TFB to use credit scores to determine rates, and yours will be higher if you have poor credit.
• Driving record. Safe drivers with few or no points on their licenses get the lowest average quotes.
• Claims history. Remaining claim-free is the easiest way to get cheap TFB insurance quotes.

Learn more about the other factors that affect car insurance rates so you can get the lowest monthly rates possible.

The Bottom Line: Everything You Need to Know About Texas Farm Bureau Insurance

Texas Farm Bureau is the highest-rated insurer for customer satisfaction in the Lone Star State. It has very few complaints, but customers do find issues with the company’s mobile app and slow claims response times from local agents.

Overall, TFB is a competitive home and farm insurer, but its auto insurance offerings are pretty standard. Average drivers looking to meet state minimums and insure a practical car might qualify for competitive rates with a TFB membership.

However, if you’re looking for the cheapest auto insurance in the state of Texas, shop around with multiple companies. Texas Farm Bureau offers affordable rates to members who already have TFB home insurance policies, but you’ll likely find lower quotes elsewhere.

Non-members can join TFB at any time for an annual fee, but you should still compare quotes from other local Texas insurers to see which offers the best rates.