Skip to Main Content

Texas Farm Bureau Insurance review

texas ranch
Richard McMillin/Getty Images
texas ranch
Richard McMillin/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . Our content is backed by, LLC, a licensed entity (NPN: 19966249). For more information, please see our

ON THIS PAGE Jump to Open page navigation

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.

Perks Drawbacks
Ranked #1 in Texas region for auto insurance satisfaction Home policies lack endorsements
Average Farm Bureau auto rates are generally well below national average Named perils claims only
Additional benefits come with membership Only auto quotes are available online

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 or disabled on the road, including after a covered accident. It typically provides helpful services such as lockout, re-fuel, towing, battery charge and tire change.
  • Medical payments: Medical payments coverage covers medical bills and funeral costs 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 a covered accident. There is usually a limit to the number of days and daily coverage amount you are eligible for reimbursement.


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 homeowners insurance comes with dwelling and other structures coverage to protect the home structure and other detached structures like a garage, shed, fence and pool. The home insurance policy also provides coverage for personal property, liability and loss of use, which covers living costs if you are displaced from your home due to a covered loss.

While Texas Farm Bureau home insurance offers standard coverage, it does not offer endorsements to further personalize the policy. It is an HO-1 policy type, or HO-A Texas policy form. This means it is a named peril policy, so only specific claim causes are covered:

  • Fire and lightning
  • Sudden and accidental smoke damage
  • Windstorm, hurricane and hail
  • Explosion
  • Aircraft or vehicle not operated by residents
  • Vandalism or malicious mischief
  • Riot and civil commotion
  • Theft

This differs from the more common HO-3 Special Form policy, which is an open peril policy. This policy type covers all perils except those specifically excluded in the policy jacket.


A few discounts available for a Texas Farm Bureau home insurance policy include:

  • 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 different 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. J.D. Power rankings provide a snapshot of how satisfied customers are with various insurance companies in Texas in regards to areas like claims handling, interaction and policy offerings.

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

Not sure if Texas Farm Bureau is right for you? Consider these alternatives

Though Texas Farm Bureau insurance may be the right fit for some, you can consider these alternatives if you are still unsure if Texas Farm Bureau is right for you:

  • Amica: If claims satisfaction is important to you, Amica could be a good alternative. It ranked first in the 2022 J.D. Power Property Claims Satisfaction Study and fourth in the 2021 Auto Claims Satisfaction Study.
  • Liberty Mutual: Liberty Mutual ranked second in Texas, just behind Texas Farm Bureau in the 2021 Auto Insurance Study. The insurer is fifth for property claims satisfaction, but falls just below average for auto claims satisfaction.
  • State Farm: If you are looking for a wide range of policy and coverage options, consider State Farm. This insurer is the #1 home insurer in the Lone Star state and offers an open peril home policy.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2022 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 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman is an 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