Auto Insurance Review: Texas Farm Bureau Group

If you live in Texas and are searching for affordable car insurance, Texas Farm Bureau Group might be the right choice for you. This company offers some of the lowest rates and premiums in the Lonestar state and has an excellent customer service rating. On the downside, they do not have a mobile app and you will need to pay to become a Texas Farm Bureau member in order to enroll in an insurance policy.

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iconribbonScore84

0/5

discounts

5/5

complaints

5/5

satisfaction

3.5/5

stability

5/5

affordability


pros

This is an iconOffers some of the lowest rates in Texas
This is an iconHas a great customer service reputation
This is an iconDoes not have many customer complaints

cons

This is an iconRequires Farm Bureau membership to obtain a policy
This is an iconDoes not provide online quotes
This is an iconDoes not provide online quotes

Texas Farm Bureau Group is a Texas-based insurance provider offering auto, home, life, and health insurance policies. This provider is well known for its low auto insurance rates and premiums, making it an ideal option for low-income Texans. You will need to become a member of the Farm Bureau (costs are between $35 to $50 annually) to be eligible for coverage. Residents outside of Texas cannot enroll in a Texas Farm Bureau policy.

How Does Texas Farm Bureau Group Auto Insurance Rate?

When deciding on a car insurance company, it’s important to know how different companies compare. Texas Farm Bureau Group has an A+ rating from the Better Business Bureau and a mixture of excellent and less than satisfactory reviews on the BBB website

Customer Satisfaction Rating

Texas Farm Bureau Auto Insurance has a high rating from J.D. Power. In a 2019 study of U.S. auto insurance companies in the state of Texas, Texas Farm Bureau Group was the award recipient for overall satisfaction, receiving 5 stars in policy offerings, price, billing process and policy information, interaction and claims.

Customer Complaint Ratio

Texas Farm Bureau Group

The National Association of Insurance Commissioners (NAIC) maintains an index of insurance companies’ complaint ratios. The median national is 1. Scoring below a 1 is reflective of receiving fewer complaints than most other insurance companies. The NAIC scores Texas Farm Bureau Group with a 0.42 rating.

Financial Strength

AM Best gives Texas Farm Bureau Group an A- rating. This insurance company has a financial size of $250 million to $500 million and is considered financially stable.

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Texas Farm Bureau Group Insurance Features

Price is the main differentiator when comparing Texas Farm Bureau Group to other insurance companies. However, they also have one of the highest customer service ratings by J.D. Power (matched only by USAA) and receive good reviews on the number of coverage options they offer. J.D. Power ranks Texas Farm Bureau Group with a 5 star rating.

  • Type of Feature
    Description
  • Online Price Quotes
    If you’re looking to switch providers, need a new policy, or just want to shop around, you can quickly request a quote from Texas Farm Bureau Group online.
  • Online Bill Pay
    Manage your billing account by scheduling payments, enrolling in automatic payments and viewing your billing history.
  • Online Claims
    File a claim fast via the Texas Farm Bureau Group website and check in on your claim status at any time.
  • Mobile App
    View your policy, make changes, add or remove drivers and update your personal information online.

Texas Farm Bureau Group Auto Coverage

Texas Farm Bureau Group offers a wide range of coverage options designed to fit the needs of any Texan.

  • Type of Coverage
    Description
  • Collision
    This would help cover the costs to repair or replace your vehicle if it was damaged or totaled in an accident.
  • Personal Injury Protection
    This would help cover the costs of medical expenses for you and anyone else in your car, following an accident.
  • Uninsured
    If you find out that the other driver involved in your accident is either uninsured or does not have enough insurance coverage to cover your expenses, this policy will help bridge the gap.
  • Liability
    Bodily injury liability: If you’re found at fault in an accident, this will help cover the medical expenses of the other drivers involved in the accident. Property damage liability: If you’re found at fault in an accident, this will help cover the cost to repair or replace the other driver’s damaged vehicles or any property that might have been impacted.
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Available Discounts on Texas Farm Bureau Group Car Insurance Coverage

You’ll have access to a good selection of discounts through Texas Farm Bureau Group. Here are some of the top ways you can save money on your rate or premium.

  • Type of Discount
    Description
  • Safe Driver
    Save money by being a responsible driver.
  • Good Student
    Save money if your teen driver is a student with good grades.
  • Multi Vehicle
    Save money when you add additional vehicles or drivers to your policy.
  • Anti Theft
    Save money by having your car’s VIN etched into car windows, making it less attractive to thieves.
  • Multi Policy
    Save when you bundle your auto policy with homeowners or renters insurance.
  • Safety Equipment
    Save if your vehicle has factory-installed safety features, like airbags, seat belts, alarm systems and more.
  • Claim History
    Save money if you have no claims or have not had any significant claims in recent history.
  • Other

Other Texas Farm Bureau Group Insurance Products

You can save money by bundling insurance policies with the Texas Farm Bureau Group.

  • Type of Product
    Description
  • Homeowners Insurance
    Get coverage for your home to protect not only the value of your house but also your belongings inside. Some exterior fixtures like garages, sheds and fences may also be covered.
  • Renters Insurance
    If you rent your home, you can get coverage for your belongings in case of fire, theft or other damages.
  • Life Insurance
    Should you pass away, make sure your loved ones are protected with life insurance benefits.
  • Health Insurance
    If your employer doesn’t offer health insurance, you may be eligible for a low-cost coverage option from the Texas Farm Bureau Group.

How to Make a Car Insurance Claim With Texas Farm Bureau Group

You can make a claim with the Texas Farm Bureau Group on their website or over the phone.

Contact Texas Farm Bureau Group Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


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Courtney Johnston is a freelance writer and editor living in Indianapolis. She specializes in finance writing and regularly contributes content on investing, saving, insurance, and real estate.


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