Germania Auto Insurance Review (2023)

Germania Insurance Rates

Germania provides insurance products for individuals and businesses in the state of Texas. The table below shows the average annual auto insurance rates in TX for core coverage types. These rates will give you a baseline when you compare Germania auto insurance rates against other companies in TX.

You can find Germania Insurance in Amarillo, Wichita Falls, Dallas, and any other city in the Lone Star State. This narrow focus has allowed them expertise for situations and experiences in that area — establishing tailored coverage for natural disasters that happen in the state, for example.

With Germania, individuals and businesses alike can be assured that this organization knows their needs inside and out, as the state of Texas is their stomping ground. Agents can be found throughout the state of Texas.

Germania Insurance Discounts Available

To help their auto insurance policies to be even more affordable, Germania offers several auto insurance discounts to its drivers. These are the following discounts on car insurance:

• Multi-car discount
• Defensive driving discount
• Driver training discount
• Passive restraint discounts
• Anti-theft discount
• Companion auto policy
• Mature driver discount
• Academic Achievement
• New Vehicle Discount

Germania’s homeowner’s insurance policies cover suburban homes, rural homes, homes built with traditional construction, mobile homes, outbuildings, farms, and farm equipment. Discounts include companion policy discounts, all-metal roof discounts, hail-resistant roof discounts, claims-free discounts, and an alarm discount.

Germania Insurance Coverage Options

Germania, though officially a farm mutual insurance company, sells several types of insurance.

• Auto insurance
• Property insurance
• Personal liability insurance
• Life insurance

Having an array of coverage allows Germania to better serve the individuals and businesses of the state of Texas.

Germania Insurance vs. Competitors

Industry analyst A.M. Best gives Germania Mutual Insurance an “A-” rating for financial strength and an “A-” for issuer credit. This means that the company has an “excellent” ability to meet their insurance obligations, as well as an “excellent” ability to meet its ongoing senior obligations.

Going forward, A.M. Best anticipates continued stability in operating results. However, as a single-state writer in Texas, a certain degree of variability is expected due to the group’s inherent exposure to frequent and severe weather-related events, as well as any judicial, economic or regulatory concerns that may arise.

Frequently Asked Questions

#1 – How can I get in contact with Germania Insurance Company?

You can reach Germania Insurance Company in a couple of different ways. You can call toll free at (800) 392-2202. You can also call the local Brenham/Washing County number at (979) 836-5224.

If you’d prefer to use email, you can email [email protected] and someone will reach out to you regarding your inquiry.

#2 – What type of auto insurance does Germania Insurance offer?

While their website does not say specifically, we know that Germania offers personal auto insurance to individuals living in the state of Texas. That being said, the minimum liability requirements in Texas are 30/60/25. This means that Germania must at least offer bodily injury liability ($30,00 for injuries per person, up to a total of $60,000 per collision), as well as property damage liability ($25,000).

We recommend that you check with your agent or a customer service representative to see if Germania offers additional types of coverage that you can add to your policy, like collision and comprehensive coverage.

#3 – Where can I find an agent near me?

Germania Insurance company has a free insurance agent locator on their website where you can find local agents. Simply enter your zipcode to find agents near you.

What is also essential about the tool is that they have various methods of contact for agents, including email address, physical address, and phone number. Feel free to ask as many questions as you need to get started on what a Germania Insurance quote or policy might look like for you.