Texas Farm Bureau is the state’s most prominent farmers’ organization. Its main purpose is to defend the interests of the agricultural community. As a result, the company also sells home, life, and car insurance. Their offer is limited to the Lone Star State, but their car insurance is highly rated in this region.
To determine if their insurance is as good as the Texas Farm Bureau insurance reviews say, we checked the leading rankings in customer satisfaction, inquired about their discounts and optional coverages, and tested the quality of their online tools. Read on to see if this company should be your next car insurer. You might be surprised.
Texas Farm Bureau Auto Insurance Review
Overall Product
Financial Strength
Services Offered
Customer Service
Insurance Rates
Carsurance Verdict:
While there’s nothing fancy about Texas Farm Bureau, if you want cheap and high-quality car insurance in the Lone Star State, this should be your starting point.
4.2
Pros
- Affordable prices
- Superior customer service
- Membership benefits
Cons
- The most basic coverage
- Requires Texas Farm Bureau membership
- Only available in Texas
Texas Farm Bureau Car Insurance – Product Overview
It’s available only in the Lone Star State. Its website is basic, with little information about discounts and optional coverages, especially when compared to competitors like Geico or Allstate. It is understandable because Texas Farm Bureau prefers to handle everything through its agents. In other words, it relies on personal contact to offer the best service.
The owners are not some heartless corporations, but the policyholders. Texas Farm Bureau is a mutual insurance company, meaning that when you buy a policy, you also get a small piece of the company.
The company has two mobile apps. They both look sleek, but offer somewhat limited usability. Namely, you cannot pay your bill or see the date when your premium is due. But the two apps bring a lot of confusion and are partly responsible for some of the negative reviews. Namely, they are completely different in purpose and are not interchangeable. Let us explain:
While many Texas Farm Bureau Insurance reviews point out that the proprietary app is somewhat limiting, this is actually a misconception. The company has two apps, MyTFB and Texas Farm Bureau Insurance app.
The first one is the app for Texas Farm Bureau membership benefits. If you want to get all of the insurance functionalities, you need to install a dedicated Texas Farm Bureau Insurance app. It lets you file a claim, download proof of insurance, or obtain contact details of the nearest agent.
However, this somewhat complicated approach doesn’t mean you shouldn’t give Texas Farm Bureau a chance. As a matter of fact, the company makes up for what it lacks in the IT department by offering terrific benefits to its members.
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Features – Texas Farm Bureau Benefits
To buy their insurance, you need to be a Texas Farm Bureau member. Its membership is relatively inexpensive, and it offers many perks. Some of them are:
Discounts on Cars and Machinery
You can save a couple thousand dollars when you buy from brands such as Ford, Lincoln, John Deere, and CAT.
Free Sports Tickets
With a Farm Bureau Membership, you can get free access to many sports events. Still, don’t expect a free front row seat for a Houston Rockets or Dallas Cowboys game anytime soon.
Texas Farm Bureau Membership Discounts on Car Rentals, Hotels, and Amusement Parks
You can pay less whether you’re planning to visit an amusement park, book a hotel, or rent a car. We particularly agree when it comes to renting a car since the majority of the biggest companies have a partnership with the Texas Farm Bureau.
Discounts on Dell Products
Dell is a proud Texas company, and you can get a discount on products and electronics if you have a Texas Farm Bureau membership.
Free Exams and a Discount on Medical Equipment
If you’re a TXFB member, you can get a free Beltone Hearing screening, or pay less for teeth whitening at Careington.
Texas Farm Bureau Insurance Review – Financial strength
Because it isn’t available nationwide, it comes as no surprise that the Texas Farm Bureau is not as financially mighty as State Farm or Geico. Nonetheless, it’s A. M. Best rating is a respectable “A,” or “Excellent.”
This indicates that Texas Farm Bureau has the ability to pay claims if an accident happens. And its excellent scores in customer service confirm that the company is willing to oblige.
Texas Farm Bureau Auto Insurance – Coverage Types
Because you cannot get a quote online, you will have to tell the agent what types of insurance you prefer. This can be a nuisance considering that advanced quoting systems like Progressive’s let you adjust coverage limits separately to see how they affect your total premium.
Even when it comes to optional coverages, there’s not much to choose from. You can get all the standard protection plans available in the Lone Star State, which include:
- Liability,
- Collision.
- Comprehensive.
- Personal injury protection.
- Uninsured/underinsured motorist coverage.
When it comes to custom coverages, don’t expect to be spoiled for choice. Farm Bureau Insurance in Texas offers:
Rental Car Reimbursement
If your car suffered significant damage or it was totaled, Texas Farm Bureau will cover the expenses of a rental car. This coverage has a daily limit and a maximum period of use. The company has partnerships with many rental car providers, and it will reimburse the company you choose directly.
Death Indemnity
If the policy owner is accidentally killed in a car crash, the named beneficiary will get limited life insurance.
Texas Farm Bureau Roadside Assistance
This is an inexpensive add-on to your car insurance policy. It includes
- Flat tire replacement
- Towing
- Emergency fuel and fluid delivery
- Battery jump starts
- Locksmith services
Note that this coverage pays the services only and does not cover the cost of parts or fuel. If you need roadside help, you can call 1-800-266-5458.
Rideshare Coverage
This option provides coverage when you are connected to the rideshare app and waiting for a customer request.
Texas Farm Bureau Customer Service
One of the first things you’ll see when you enter the Texas Farm Bureau’s website is its excellent customer service score. In our opinion, the company has the right to brag. Simply put, it delivers an unparalleled quality of customer service in Texas. For starters, its NAIC ratio is 0.28, which is the best score out of all the major Texas insurance companies.
The company also receives praise in J.D. Power’s 2021 Regional Rankings. Thanks to positive Texas Farm Bureau Auto Insurance reviews, it is holding the first place in the Texas region for 10 consecutive years, which is really impressive.
It is constantly beating more powerful companies like Geico, Allstate, and State Farm. Only USAA has a better score, but it’s only available to the military. Even with the Better Business Bureau, the company holds an A+ rating.
On the other hand, you can find different opinions on websites like Yelp and Consumer Affairs. Namely, the Texas Farm Bureau insurance reviews are strikingly bad there, but that’s also true for any insurer that appears in our reviews. It seems that all people who felt tricked by insurers went there to leave a review, while those who had a pleasant experience stayed silent. It is simply in human nature. That’s why you should always take those ratings with a pinch of salt.
Texas Farm Bureau Discounts
Despite the absence of detailed information on the company’s website, we’ve managed to find the list of discounts available. They aren’t groundbreaking, meaning you can get them from almost any insurer, but they’re still a welcome addition to the already affordable premiums.
Multi-Policy. If you buy multiple types of insurance from the Texas Farm Bureau, like homeowners, life, and auto, you can expect to pay less.
Multicar. Insuring various vehicles with TXFB will get you a discount.
Passive Restraint Discount. Is your car equipped with a passive restraint system or factory installed airbags? Your Texas Farm Bureau payment will be lower.
Claims-Free. If you didn’t file a claim in the past three years, expect to pay a lower premium.
Driver Training. Completing an accredited drivers course warrants a discount.
Good Student Discount. You can qualify for this discount if you are a high school or college student and your GPA is 3.0 or higher.
Anti-theft Discount. If your vehicle has devices such as an alarm or a stolen car recovery system, your car insurance will cost less.
Texas Farm Bureau Auto Insurance Quotes and Rates
We can confirm that the Texas Farm Bureau is among the most affordable insurers in the state. Overall, the company was much cheaper when compared to big players like Allstate, State Farm, and MetLife. It’s policies even cost less than Geico’s, which is famous for its low prices.
Out of the high-rated insurers, only Progressive can match Texas Farm Bureau as an equally budget-friendly choice.
TXFB Auto Insurance Compared with Its Top Competitors
Texas Farm Bureau vs. Allstate
Both of these companies get excellent customer service scores, but Farm Bureau insurance has a slight edge in its home state. On the other hand, while Allstate is a more expensive option, it also offers more discounts, optional coverages, and far better online tools.
It even has its Claims Satisfaction Guarantee. You will get your money back if you’re unsatisfied with the claim handling. Unfortunately, Texas Farm Bureau claims do not come with such a guarantee.
Overall, if you want more options, we would select Allstate. However, if the basic coverage is sufficient for you and you want to pay less, Texas Farm Bureau would be our top pick.
Texas Farm Bureau vs. MetLife
MetLife is no slouch in Texas. As a matter of fact, we ranked it as the second-best auto insurance company in the Lone Star State. It’s among the best in customer service, although its reviews are not as good as Texas Farm Bureau reviews. But, it offers more discounts and optional coverage compared to Texas Farm Bureau. This may be important to some car owners.
However, Texas Farm Bureau is cheaper in general, especially for younger drivers. Furthermore, it has a slight edge over MetLife in customer satisfaction ratings. That’s why we think that Texas Farm Bureau will be a better choice for the majority of drivers.
In the end, these are well-ranked companies, and we would get a quote from both of them.
Texas Farm Bureau vs. GEICO
This is a tough choice that boils down to the extra online tools and optional coverages that Geico offers compared to the superior customer service found with the Texas Farm Bureau. We’re leaning toward the former, and that’s why we gave it the award for the best Texas car insurance in our guide.
Nonetheless, you can’t go wrong with either of these companies. Therefore, we advise you to request a GEICO offer and Texas Farm Bureau quote and choose only after comparing their offers.
Best Alternatives
TXFB is a market leader in the two most important categories: customer satisfaction and affordability. This means that choosing another insurer will result in a significant compromise. If you want more coverage options and a slicker user experience, give Liberty Mutual a chance. As our review notes, it has an excellent website and mobile app.
If you’re a tech-savvy customer, GEICO might be an even better choice. It has industry-leading online tools, and it is among the cheapest options. Additionally, we ranked the company as the overall winner in our Texas car insurance guide.
However, none of these insurers excel in customer service. If you’re looking for an alternative to Texas Farm Bureau that won’t let you down in your time of need, Allstate, MetLife, and Farmers should be near the top of your shortlist.
In the end, if you are a member of the US army or close family, checking out USAA is a must. It’s an affordable, high-quality insurer that offers more options than Texas Farm Bureau.
Expert Thoughts – Summary of Texas Farm Bureau Auto Insurance Reviews
After checking the facts and doing our research, it’s time to deliver the verdict.
The main drawbacks of TXFB are its weak variety of discounts and optional coverages, as well as its rudimentary online tools. However, that’s mitigated by the affordable rates and superior customer service.
While there’s nothing fancy about Texas Farm Bureau, if you want cheap and high-quality car insurance in the Lone Star State, this should be your starting point.
People Also Ask
Is Texas Farm Bureau Insurance good?
Yes, Texas Farm Bureau is a good car insurance company. It offers reasonable prices, good coverage, and many options and discounts. In its 2020 study, J.D. Power rated it “among the best” in Texas when it comes to customer satisfaction. NAIC (National Association of Insurance Commissioners) concluded that it had fewer than expected number of complaints three years in a row.
Is Farm Bureau a good insurance company?
Yes, Farm Bureau is a good insurance company. Besides having affordable prices, good optional coverage, and a wide array of discounts, it’s also highly rated. A.M. Best rates it as A “Excellent.” Furthermore, J.D. Power concluded that it’s among the best in Texas when it comes to user satisfaction. Also, according to the NAIC, it has a below-expected number of complaints.
Which is better State Farm or Farm Bureau?
Farm Bureau doesn’t do business only in Texas, while State Farm covers the entire US. Naturally, that makes it financially stronger, with a better A.M. Best rating. Another advantage State Farm offers is the larger number of available bonuses. This implies that a larger percentage of its clients can fit in at least one category. On the other hand, Farm Bureau has much better customer satisfaction ratings and fewer complaints. It is also much cheaper than State Farm.
What is the best insurance company in Texas?
It’s hard to say what insurance company is the best in general. Namely, it depends on drivers’ preferences, category, and many other variables. In general, we can say that the best car insurance companies in Texas are:
- Texas Farm Bureau
- Farmers Insurance
- Progressive
- State Farm, Geico
- Allstate, etc.
They provide good coverage, decent prices, and different discount that can considerably reduce the initial price.
Who has the best car insurance rates in Texas?
The companies that offer the cheapest minimum coverage in Texas are:
- State Farm – $525,
- Fred Loya Insurance – $545,
- Dairyland – $831.
Keep in mind that the initial price shouldn’t be your only criteria. For instance, if the company has a wide array of discounts, you may be eligible for several of them, which will considerably reduce the price. Also, consider factors like customer satisfaction, online tools, accessibility, agent network, etc.
Does Texas Farm Bureau have roadside assistance?
Yes, Texas Farm Bureau insurance offers roadside assistance, but as optional coverage. It includes towing and pick-up service after an accident or car malfunction. The service is available around the clock, and all you have to do is call 1-833-TFB-ROAD. However, this option is not available online – you will have to contact our agent to add it to your policy.
How do customers rate Texas Farm Bureau Mutual Insurance Company?
Customers rate Texas Farm Bureau Mutual Insurance Company very highly. In its 2021 report, J.D. Power, the famous market research company, ranked Texas Farm Bureau as the best in Texas when it comes to user satisfaction. When it comes to the number of complaints, NAIC records a fewer than expected number of complaints for a company of its size.
What coverages does Texas Farm Bureau Mutual Insurance Company offer?
Texas Farm Bureau Mutual Insurance Company operates only in Texas and offers coverages for:
- Car insurance
- Farm Insurance
- Homeowners Insurance
- Life Insurance
- Renters Insurance
- Commercial property insurance.
It is ranked A- by A.M. Best, which means it can cover any client claim. It’s one of the best insurers in the state, according to many independent auditing and market research companies. After conducting our research, we must say that we agree with their Texas Farm Bureau insurance reviews.
