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Texas Farm Bureau Insurance review

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Texas Farm Bureau has offered insurance products to Texans since its beginnings in 1952. Now headquartered in Waco, Texas, the carrier has grown to include over 850 local agents, 300 claims personnel and 300 offices across the Lonestar State. Not only does Texas Farm Bureau offer policies for auto, homeowners and life, but there are also options for farm and ranch policies, renters insurance and commercial products.

The company is part of the American Farm Bureau Federation and requires an annual membership fee, although the rate varies depending on which county you reside in. Membership is open to all Texas residents and includes several benefits and discounts options, and access to insurance policies.

Texas Farm Bureau car insurance

Texas Farm Bureau offers a full line of auto insurance coverage, from the minimum liability coverage needed to drive legally in Texas to a full coverage policy with add-ons, such as rental car reimbursement.

Types of coverage

In addition to the standard coverage offerings, Texas Farm Bureau offers the following for members:

  • Death indemnity: This optional coverage pays a death benefit to a beneficiary or beneficiaries should you die as a result of an accident in your vehicle. This benefit is paid out even if the accident is ruled your fault.
  • Rideshare: Rideshare coverage provides additional coverage where a personal auto policy may not be enough for drivers who work with rideshare companies, such as Uber and Lyft.
  • Emergency roadside service: Roadside assistance covers your vehicle if it becomes inoperable following a covered accident. It typically provides helpful services such as lockout, re-fuel, towing, battery charge and tire change.
  • Medical payments: Medical payments covers medical bills for you or your passengers as a result from injuries sustained in a covered car accident. It applies regardless of which driver is at fault.
  • Car rental: Car rental coverage provides reimbursement for your car rental expenses if your vehicle is totaled or in the repair shop as a result of an accident. There is usually a limit to the number of days and daily coverage amount you are eligible for reimbursement.

Cost of Texas Farm Bureau car insurance

Bankrate analyzed rates from Farm Bureau insurance to find a snapshot of rates a driver might expect to pay with Texas Farm Bureau. Annual Farm Bureau insurance rates range from $423 per year for a minimum policy and $1,512 for a full coverage policy. This is well below the national annual average of $565 and $1,674 for the same levels of coverage, respectively. Your rates may be more or less, depending on where you live in Texas, your vehicle, driving history and the number of miles you drive, plus other factors. It is a smart practice to compare multiple insurance companies to find the best fit for your needs and the most competitive rates. Actual Texas Farm Bureau car insurance rates can be obtained by directly applying for a quote.

Average annual Farm Bureau Insurance rates

Average annual premium for minimum coverage Average annual premium for full coverage
$423 $1,512


There are a variety of discounts available for auto insurance policies with Texas Farm Bureau. Working with a local agent is the most effective method for determining which discounts you qualify for, though the ones listed on its website include:

  • Multi-vehicle – If you insure more than one vehicle with Texas Farm Bureau, you could qualify for additional savings.
  • Vehicle Safety – This discount is for drivers with vehicles equipped with safety features, such as air bags and an anti-theft system.
  • Claims-free – If you maintain a claims-free record for a certain number of years, you may earn a discount for good driving.

Texas Farm Bureau home insurance

Texas Farm Bureau home insurance offers insurance options for homeowners, renters and landlords. By working with a local agent, you can tailor a policy to fit your exact insurance needs for your property.

Types of coverage

  • Dwelling coverage pays for damage to the home or any attached structure.
  • Personal property is available to cover the belongings inside your property should they be damaged or destroyed in a covered loss.
  • Liability insurance protects homeowners from expenses if someone else is hurt on their property.
  • Loss of use helps if your property becomes uninhabitable due to a covered loss and you are forced to live elsewhere temporarily. The coverage pays toward additional necessary costs, such as hotel stays and laundry.


  • Central alarm systems – If your property is protected by a burglar or central alarm system, you may qualify for additional savings.
  • Impact-resistant roofing – If your roof is designed to resist damage from elements such as hail, it could save you money on insurance premiums.
  • Dry fire hydrants – You may earn a discount if you keep a dry fire hydrant, or fire extinguisher, on your property.

Texas Farm Bureau life insurance

Texas Farm Bureau provides several life insurance options. These options range from term life to retirement savings with an IRA account.

Types of policies offered

  • Term life: This life insurance is paid out if the policyholder dies during a defined term, or period. There are 10-, 20- and 30-year options available.
  • Whole life: This covers financial needs for your beneficiaries if you pass away before the age of 100. Within the whole life category, there are four types of policies — whole life, modified premium whole life, 20-pay life and single premium whole life — plus available riders and dividends.
  • Convertible life: This type of policy is initially a term life policy, but is convertible to a whole life option towards the end of the term.
  • 15-pay juvenile life: This is a whole life policy that can only be purchased when your children are 15 years or younger. However, the whole life payout is available until they reach age 100.

Texas Farm Bureau ratings, reviews, customer satisfaction and complaints

Third-party ratings and reviews are an objective method for evaluating carriers like Texas Farm Bureau. When it comes to financial strength, it receives an A (Excellent) rating from AM Best, which highlights the carrier’s ability to pay out claims and creditors.

Financial strength isn’t the only area where Texas Farm Bureau performs well. The carrier received the highest ranking among other insurers in Texas in the 2021 J.D. Auto Insurance Study, with 850 out of 1,000 points. The J.D. Power rankings provide an unbiased snapshot of how satisfied customers are with various insurance companies in Texas.

Reasons Texas Farm Bureau insurance is a good option

Texas Farm Bureau insurance could be a good option for Texans who prefer working with a carrier that relies on a local agent network. With so many agents working for the carrier throughout the state, there is bound to be a local agent already residing in or near your community. This could be an advantage when it comes to customer service issues, such as resolving a bill or filing a claim.

Texas Farm Bureau is also worth considering not only for the use of local agents, but the average premiums could be less expensive versus other options. However, Texas Farm Bureau may be at a disadvantage if you prefer managing your policy through the convenience of a smartphone app. Although an app is offered, it currently receives 2.4 out of 5 stars on the App Store and 3.0 out of 5 stars on the Google Play Store. Most complaints are centered around an inconvenient user experience.

Additional policies offered by Texas Farm Bureau

In addition to auto, homeowners and life insurance, Texas Farm Bureau offers:

  • Farm and ranch insurance
  • Renters insurance
  • Landlord’s insurance
  • Commercial property insurance

Frequently asked questions

How much does car insurance cost?

The average annual cost of car insurance is $1,674 for a full coverage policy. However, it is important to remember this is only an average and your exact rates could be more or less expensive. Auto insurance premiums are based on numerous factors, including your ZIP code (in most states), vehicle make and model, miles driven per year, age and other personal factors.

How do I file a claim with Texas Farm Bureau?

If you are involved in an auto accident and need to file a claim, you should contact your local agent and start the claims process either through the mobile app, online or by calling the 24/7 customer service line. A similar process is followed for claims with Texas Farm Bureau home insurance, although the option to file through the app is not currently available for home insurance claims. When you do start the process, be sure to have your policy number available.

How do I request a quote from Texas Farm Bureau Insurance?

You can request a quote online for the Texas Farm Bureau car insurance, through a local agent or by calling the customer service number. For all other insurance policy quotes, you have the option to request one from a local agent or contact a customer service agent for information.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor