Texas Farm Bureau Auto Insurance Review (2024)

Texas Farm Bureau auto insurance rates might be higher than average, but the company outranks the competition in customer satisfaction and offers unique benefits to its members. Our Texas Farm Bureau auto insurance review will explain everything you need to know about the company's average rates, insurance offerings, and more.

UPDATED: Sep 16, 2024Fact Checked

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Feature Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

UPDATED: Sep 16, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 16, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 16, 2024Fact Checked
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Texas Farm Bureau

Average Monthly Rate For Good Drivers

$135

A.M. Best Rating:

A-

Complaint Level:

Low

Pros

  • High customer and claims satisfaction
  • Competitive discounts
  • Files SR-22 insurance for high-risk drivers

Cons

  • Only available to members who live in Texas
  • Higher-than-average rates
  • Limited coverage options
  • Must speak with an agent to get insurance quotes
[su_box title="Things to Remember" style="default”]
  • Texas Farm Bureau is the highest-rated insurer for customer satisfaction in Texas
  • Coverage is only available to members who live in Texas
  • Monthly rates for Texas Farm Bureau are higher than average when compared to other companies
[/su_box] 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.

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 Texas Farm Bureau auto quotes with other local Texas insurers to see which offers the best rates.

What You Should Know About Texas Farm Bureau Mutual Insurance Company

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, Texas Farm Bureau earns high ratings for financial strength, claims handling, and overall policy satisfaction.

However, car insurance coverage from Texas Farm Bureau is limited to members who live and register their vehicles in Texas.

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

Keep reading to learn more about the Texas Farm Bureau member discounts 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. 

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Is Texas Farm Bureau insurance good?

According to Texas Farm Bureau insurance reviews, the company 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 Texas Farm Bureau automobile insurance is a great way to bundle policies and save money. 

Texas Farm Bureau memberships come with a fee. They 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 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

Texas Farm Bureau A.M. Best rating is an A-, which means the company 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 Insurance 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. Texas Farm Bureau insurance BBB rating is an A+. Customers only rank it 2.5/5 stars for slow response times on claims, but a majority of the Texas Farm Bureau insurance 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 Texas Farm Bureau auto insurance claims.

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 vehicle 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 a payment through the Texas Farm Bureau app, so use your Texas Farm Bureau login on the company website for Texas Farm Bureau insurance payments. If you want to cancel coverage or make changes to your policy, you’ll need to call a Texas Farm Bureau 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 Texas Farm Bureau insurance.

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:

Texas Farm Bureau 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. Texas Farm Bureau roadside assistance includes 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 Mutual Insurance Company Insurance Rates Breakdown

If you’re interested in becoming a TFB member or already are one, then comparing Texas Farm Bureau car 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 Texas Farm Bureau 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.

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 TFB insurance quotes vary by age and gender.

Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

Insurance CompanyAge: 18 FemaleAge: 18 MaleAge: 30 FemaleAge: 30 MaleAge: 45 FemaleAge: 45 MaleAge: 65 FemaleAge: 65 Male
AAA TablePress Logo$328$378$99$103$88$86$86$84
Allstate TablePress Logo$448$519$168$176$162$160$158$157
American Family TablePress Logo$305$414$116$137$115$117$113$114
Cure TablePress Logo$405$461$125$128$114$111$111$109
Farmers TablePress Logo$597$629$160$167$139$139$136$136
Geico TablePress Logo$220$254$90$87$80$80$78$78
Liberty Mutual TablePress Logo$626$626$174$200$171$174$167$170
Mercury TablePress Logo$283$318$87$91$78$77$77$76
Nationwide TablePress Logo$303$387$124$136$113$115$111$112
Progressive TablePress Logo$591$662$131$136$112$105$109$103
Safeco TablePress Logo$253$292$77$79$72$71$71$69
State Farm TablePress Logo$229$284$94$103$86$86$84$84
The Hartford TablePress Logo$407$469$126$133$115$113$112$109
Travelers TablePress Logo$530$740$99$108$98$99$96$97
USAA TablePress Logo$180$203$74$79$59$59$58$57
U.S. Average$416$501$128$139$119$119$117$117

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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 coverage with a Texas Farm Bureau full coverage car insurance policy.

Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Where to Compare Auto Insurance Rates$61$160
American Family: Where to Compare Auto Insurance Rates$44$117
Farmers: Where to Compare Auto Insurance Rates$53$139
Geico: Where to Compare Auto Insurance Rates$30$80
Liberty Mutual: Where to Compare Auto Insurance Rates$68$174
Nationwide: Where to Compare Auto Insurance Rates$44$115
Progressive: Where to Compare Auto Insurance Rates$39$105
State Farm: Where to Compare Auto Insurance Rates$33$86
Travelers: Where to Compare Auto Insurance Rates$37$99
U.S. Average$45$119

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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 Texas Farm Bureau 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.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
American Family: best State Farm auto insurance discount$116$136$203
Farmers: best State Farm auto insurance discount$140$160$269
Geico: best State Farm auto insurance discount$82$99$148
Liberty Mutual: best State Farm auto insurance discount$177$226$355
Nationwide: best State Farm auto insurance discount$120$133$166
Progressive: best State Farm auto insurance discount$109$138$206
State Farm: best State Farm auto insurance discount$91$117$200
Travelers: best State Farm auto insurance discount$107$128$194
Allstate: best State Farm auto insurance discount$176$197$296
U.S. Average$123$148$226

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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 by Provider: One Ticket vs. Clean Record

Insurance CompanyOne TicketClean Record
AAA TablePress Logo$108$86
Allstate TablePress Logo$188$160
American Family TablePress Logo$136$117
Auto-Owners Table Press Logo$105$87
Elephant TablePress Logo$119$97
Erie TablePress Logo$58$70
Farmers TablePress Logo$173$139
Geico TablePress Logo$106$80
Liberty Mutual TablePress Logo$212$174
Nationwide TablePress Logo$137$115
Progressive TablePress Logo$140$105
State Farm TablePress Logo$96$86
The General Tablepress Logo$277$232
The Hartford TablePress Logo$136$112
Travelers TablePress Logo$134$99
U.S. Average$147$119

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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

Insurance CompanyClean RecordOne Accident
AAA TablePress Logo$180$220
Allstate TablePress Logo$166$225
American Family TablePress Logo$116$176
Elephant TablePress Logo$119$97
Farmers TablePress Logo$140$198
Geico TablePress Logo$95$132
Liberty Mutual TablePress Logo$177$234
Nationwide TablePress Logo$140$161
Progressive TablePress Logo$120$186
State Farm TablePress Logo$105$150
The Hartford TablePress Logo$175$230
Travelers TablePress Logo$160$200
U.S. Average$123$172

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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.

DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider

Insurance CompanyClean RecordOne DUI
AAA TablePress Logo$86$240
Allstate TablePress Logo$160$225
American Family TablePress Logo$117$176
Elephant TablePress Logo$97$166
Farmers TablePress Logo$139$198
Geico TablePress Logo$80$132
Liberty Mutual TablePress Logo$174$234
Nationwide TablePress Logo$115$161
Progressive TablePress Logo$105$186
State Farm TablePress Logo$86$202
The Hartford TablePress Logo$112$250
Travelers TablePress Logo$99$239
U.S. Average$119$173

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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 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.

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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 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, air bags, 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.

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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.

Frequently Asked Questions

What is Texas Farm Bureau Insurance?

Texas Farm Bureau Auto Insurance is an insurance product provided by the Texas Farm Bureau Insurance Companies. It offers coverage for personal automobiles and provides financial protection against losses or damages resulting from accidents, theft, and other covered events.

What types of coverage does Texas Farm Bureau Auto Insurance offer?

Texas Farm Bureau Auto Insurance offers a range of coverage options, including liability coverage (bodily injury and property damage), collision coverage, comprehensive coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and medical payments coverage. These coverages can be customized based on your specific needs.

How can I obtain a Texas Farm Bureau Auto Insurance policy?

To obtain a Texas Farm Bureau Auto Insurance policy, you can contact a local Texas Farm Bureau Insurance agent. They will guide you through the process, help assess your insurance needs, and provide you with a personalized quote.

Are there any discounts available for Texas Farm Bureau Auto Insurance?

Yes, Texas Farm Bureau Auto Insurance offers various discounts to help policyholders save on their premiums. These discounts may include multi-vehicle discounts, safe driver discounts, good student discounts, and discounts for bundling multiple policies with Texas Farm Bureau Insurance. Your agent can provide you with more information about the available discounts.

Can I manage my Texas Farm Bureau Auto Insurance policy online?

Yes, Texas Farm Bureau Insurance offers an online portal called “MyTFB” that allows policyholders to manage their policies online. Through the portal, you can view policy details, make payments, request changes to your policy, and access important documents.

What should I do if I need to file a claim with Texas Farm Bureau Auto Insurance?

In the event of an accident or loss, you should contact Texas Farm Bureau Insurance’s claims phone number as soon as possible. They will guide you through the claims process, explain what information is needed, and help you with any necessary documentation. It’s important to report a claim promptly to ensure a smooth and timely resolution.

Does Texas Farm Bureau Insurance offer roadside assistance?

Yes, Texas Farm Bureau Insurance provides optional roadside assistance coverage. This coverage can help with services such as towing, flat tire changes, battery jump-starts, and lockout assistance. You can discuss adding roadside assistance to your policy with your Texas Farm Bureau Insurance agent.

Does Texas Farm Bureau cover rental cars?

Yes, Texas Farm Bureau offers rental car coverage. Always check your specific policy details or contact your agent to confirm the extent of the coverage.

Is Texas Farm Bureau Insurance expensive?

Many customers find their rates to be competitive, especially when compared to other regional insurers.

How much is Texas Farm Bureau car insurance?

On average, rates can range from around $700 to $1,200 annually for standard coverage, but rates can be higher or lower depending on factors like driving history, age, location, and the level of coverage.

How is Texas Farm Bureau Insurance rated?

Texas Farm Bureau generally receives high ratings for customer satisfaction, claims handling, and overall service. The company has earned an A-  from A.M. Best rating.

What does Texas Farm Bureau roadside assistance cover?

Texas Farm Bureau Insurance include towing coverage, battery jump-starts, tire changes, lockout assistance, and fuel delivery.

How to add a vehicle to Texas Farm Bureau Insurance?

You can contact your local agent or contactTexas Farm Bureau 24-hour phone number. You will need to provide details about the new vehicle, such as the make, model, year, and VIN (Vehicle Identification Number). The agent will guide you through the process and update your policy accordingly.

What does Texas Farm Bureau full coverage cover?

Full coverage with Texas Farm Bureau typically includes comprehensive and collision coverage, along with liability insurance.

Where is Texas Farm Bureau Insurance headquarters?

The headquarters of Texas Farm Bureau Insurance is located at: 7420 Fish Pond Road, Waco, TX 76710.

How to cancel Texas Farm Bureau insurance?

Reach out to your local Texas Farm Bureau Insurance agent and inform them that you want to cancel your policy.

Is Texas Farm Bureau a good insurance company?

Texas Farm Bureau is good for car insurance since it often receives high ratings for customer satisfaction. The company is known for efficient and fair claims handling.

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Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Feature Writer

Chris Abrams

Licensed Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...

Licensed Insurance Agent

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Reviews
for Texas Farm Bureau Mutual Insurance Company

4.06 (162 reviews)
1
January 5, 2024

Left_stranded_

Road side assistance left me stranded

I’m 12-2-23 I hit a deer on county road between Tree Rivers and Choke Canyon at 6:55am on Saturday morning. I called and reported my accident. It was outsourced to a company. They knew nothing but take policy number and transfers me to road side assistance. Road side assistance would not answer. Recording. Only open Monday thru Saturday 7am to 5pm. It was 7:05am. Called three times to farm bureau and answering service said they could not help...
I’m 12-2-23 I hit a deer on county road between Tree Rivers and Choke Canyon at 6:55am on Saturday morning. I called and reported my accident. It was outsourced to a company. They knew nothing but take policy number and transfers me to road side assistance. Road side assistance would not answer. Recording. Only open Monday thru Saturday 7am to 5pm. It was 7:05am. Called three times to farm bureau and answering service said they could not help me because road side assistance would not answer phone. They left 2 senior citizens stranded with no internet service. When I cancelled my policy. [REDACTED NAME] from Seguin office said they have been getting a lot of complaints. When I called main office, no answered. [REDACTED NAME] [REDACTED NAME] from Waco was smart mouth and said that’s not what their road side assistant said. This insurance company is a piece of crap. They left me stranded to fend for myself in the country. Roadside assistance finally called me 12:30 that afternoon and asked if still needed help. 6 hours later. Do not get Famrm bureau insurance
3
March 8, 2023

CBXSteve

Mission Accomplished - Adjuster Ignored Customer, Claim Gone

I have 3 types of insurance coverage with TFBI, auto, homeowners, and "inland marine coverage" which insures farm equipment. The rates and communication with the local office are very good, and an auto claim I had a number of years back went well, no complaints there. However, I recently filed a claim on the inland marine policy where 2 pieces of covered farm equipment were damaged and out of service. I filed the claim with the local office. They...
I have 3 types of insurance coverage with TFBI, auto, homeowners, and "inland marine coverage" which insures farm equipment. The rates and communication with the local office are very good, and an auto claim I had a number of years back went well, no complaints there. However, I recently filed a claim on the inland marine policy where 2 pieces of covered farm equipment were damaged and out of service. I filed the claim with the local office. They told me an adjuster would be contacting me within a day or two. A week later there had been no contact so I called them back. They gave me the adjuster's phone number and I called him. I got a recorded message on a Friday that he was out of the office and would return Monday, and to leave a message. I did so, and waited another 7 days with no contact from the adjuster. At this point, I could no longer operate without the damaged equipment, canceled the claim and began repairing it at my expense. One repair is completed and one is underway. As a result of this experience I am re-examining who I am buying my insurance from.
5
September 23, 2020

yhmnbvc

Good service and rates from a solid reliable Company

I have been with Texas Farm Bureau for more than a decade. I am very happy with the service and the coverage. Never had any step price increases like my former Insurance Company did and made me switch to Texas Farm Bureau. I had hail damage one time and that was handled very quickly and to my full satisfaction. Both the house and a couple of cars got damaged. I will probably stay with them for life, unless something drastic would happen. But I ...
I have been with Texas Farm Bureau for more than a decade. I am very happy with the service and the coverage. Never had any step price increases like my former Insurance Company did and made me switch to Texas Farm Bureau. I had hail damage one time and that was handled very quickly and to my full satisfaction. Both the house and a couple of cars got damaged. I will probably stay with them for life, unless something drastic would happen. But I do not see that happen with Texas Farm Bureau. They are solid and reliable and conservative approach and stand.
5
December 10, 2019

Fisherman2019

Been with this company many many years

This is a great insurance company that I have been with a long time. It has been good to me and I will continue to use it
1
November 21, 2019

Insurer

Seeking other insurance provider - in your best interest

Lacking customer service skills with agent and staff. Not accommodating to long term clients. Promises made for premiums and coverage that they could not guarantee and honor. Misleading gestures and promises made. Not trustworthy.
4
August 2, 2019

Lindsey1

Good coverage, good rates

Texas Farm Bureau provides a good coverage with competitive rates.. I have both auto and home owners and have had no issues when I had an auto claim. Fortunately , I haven’t had to use the home owners as of this date.
2
July 30, 2019

Movingon2222

Misinformed information

At first my experience seemed like it was flowing in the right direction. However, the person I was dealing with would call me back and say that the quote was not correct. Discounts that I was told I was eligible in the end did not apply. I had to pay more out of pocket. Wrong information and wrong documents that I had signed were null and void. Spent too much time calling and finding out what actually was part of my policy. My premium quote ...
At first my experience seemed like it was flowing in the right direction. However, the person I was dealing with would call me back and say that the quote was not correct. Discounts that I was told I was eligible in the end did not apply. I had to pay more out of pocket. Wrong information and wrong documents that I had signed were null and void. Spent too much time calling and finding out what actually was part of my policy. My premium quote was bogus.
3
June 27, 2019

Trhorn820

Fix this

Poor customer service, these independent agents are very hard to reach and get any issues handled. There is no inter company communication
5
January 9, 2019

Jmbrow1

Farm Bureau is the best, most aff insurance company around.

The best insurance company around. Friendly staff and very timely claims adjusters. I've never had a problem with them and I recommend them to everyone. They make you feel like family instead of a number. If my payment is late or closer to termination they call and email me to ensure I make my payment before it terminates.
5
January 1, 2019

RetireMyHusband

Wish We Had Switched Sooner!

My first experience with this company was my dad as an independent insurance agent having touted its praises for so many years before I asked for a quote! What we have learned since is that we save a of money with Farm Bureau, even having a teenage male driver not long after we switched. They have handled every claim we have had fairly and quickly. They even reimbursed for our son having to have his car unlocked when he didn't know we had roadsid...
My first experience with this company was my dad as an independent insurance agent having touted its praises for so many years before I asked for a quote! What we have learned since is that we save a of money with Farm Bureau, even having a teenage male driver not long after we switched. They have handled every claim we have had fairly and quickly. They even reimbursed for our son having to have his car unlocked when he didn't know we had roadside assurance and had paid for it!
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