Is Texas Farm Bureau Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 15, 2026 · How we fact-check

Texas Farm Bureau Insurance is a Texas-only carrier known for its local agent network and strong name recognition across Texas.

But it isn’t for everyone. You must pay for Farm Bureau membership to buy a policy, and recent third-party ratings show the company can swing from year to year depending on the study and comparison set.

Below is an updated breakdown of coverage options, discounts, customer satisfaction, financial strength, and how to get a quote.

Texas Farm Bureau Review: Quick Verdict

• Best for: Texas drivers who like working with a local agent and want a regional company option (especially homeowners and multi-policy shoppers).
• Not ideal for: Drivers who want a fully-digital, national carrier experience or don’t want to pay a membership fee.
• Bottom line: Worth quoting if you live in Texas—especially if you value agent support and bundling—but compare it to a few competitors before you commit.

About Texas Farm Bureau Insurance

Texas Farm Bureau Insurance is a Texas-based insurer that sells auto policies exclusively in Texas. It’s part of the broader Farm Bureau ecosystem, where affiliated organizations operate in different states (for example: Missouri Farm Bureau, North Carolina Farm Bureau, Indiana Farm Bureau, Georgia Farm Bureau, and Virginia Farm Bureau).

Membership requirement: Texas Farm Bureau describes access to its insurance as a benefit of membership, so you typically need an active Texas Farm Bureau membership to buy a policy. Local volunteer county Farm Bureau boards set the dues, so the amount varies from county to county; ask your county Farm Bureau office for the current figure.

Texas Farm Bureau also offers member perks beyond insurance—like vehicle incentives and other discounts—which are listed on the member benefits page at texasfarmbureau.org.

Texas Farm Bureau Auto Insurance Coverage Options

Texas Farm Bureau sells the standard “core” coverages most drivers need, plus several optional add-ons. Availability can vary by situation, vehicle type, and policy form—your agent can confirm what’s offered for your zip code and vehicle.

Required in Texas: Texas requires liability insurance to legally drive (minimum limits are commonly written as 30/60/25). If you want a refresher, see whether car insurance is required in Texas.

Texas minimum liability limits (30/60/25): $30,000 per person for injuries, $60,000 per accident for injuries, and $25,000 per accident for property damage. The Texas Department of Insurance also notes that every Texas auto policy includes personal injury protection unless you reject it in writing.

Common coverages you can buy

• Bodily injury and property damage liability: Covers injuries and damage you cause to others (learn more: bodily injury liability coverage and property damage liability coverage).
• Collision and comprehensive: Helps pay to repair/replace your car after a covered loss (see collision coverage and comprehensive coverage).
• Medical payments (MedPay): Helps with certain medical expenses after an accident (more: medical payments coverage).
• Personal injury protection (PIP): Can help cover medical bills and lost wages after a crash (overview: what PIP is).
• Uninsured/underinsured motorist (UM/UIM): Texas insurers must offer it, and you have to reject it in writing if you don’t want it. Many Texans keep it given the uninsured-driver risk. Texas checks proof of insurance through its TexasSure verification system.
• Roadside assistance: Texas Farm Bureau’s own guides describe Emergency Roadside Assistance paying up to $120 per disablement for towing, lockouts, fuel delivery and jump starts (details: Farm Bureau roadside assistance coverage).
• Rental reimbursement: Helps pay for a rental while your vehicle is in the shop (see rental reimbursement coverage).
• Towing and labor: Helps cover towing and related service (more: does car insurance cover towing?).
• Auto death indemnity: An optional benefit that, according to Texas Farm Bureau’s 2021 coverage guide, pays $5,000 to your estate after a fatal auto accident; ask your agent for the current amount and terms (related: accidental death coverage).

The company’s auto page at txfb-ins.com lists current coverage options, and a local agent can confirm what applies to your vehicle.

Discounts and Ways to Save

Texas Farm Bureau offers many of the usual car insurance discounts (exact availability varies). If you’re discount-shopping, compare what you qualify for across carriers (see our guide to the best auto insurance discounts).

Discount types to ask about

• Multi-policy / bundling: Often strongest for drivers who also own a home (read: auto insurance discounts for homeowners).
• Multi-vehicle: Insure more than one vehicle on the same policy.
• Good student / driver training: Savings for qualifying students or completing an approved course.
• Safety and anti-theft: Airbags, alarms, anti-theft devices, etc.
• Claims-free / safe driver: Clean recent history can help, though every carrier defines this a little differently.

In March 2023, Texas Farm Bureau launched Drive‘n Save, a safe-driving program built with Arity. At launch the company said drivers could save 10% just for participating, with deeper discounts for ongoing safe driving. Ask your agent what the program offers today.

If you’re comparison shopping, it’s still smart to get at least 2–3 quotes—especially after a violation. Here’s what a single speeding ticket can do to your rates in many cases.

Customer Satisfaction: J.D. Power Rankings (Updated)

J.D. Power publishes an annual auto insurance satisfaction study with state/region rankings. Texas Farm Bureau has historically performed well in Texas, but results can change year to year based on pricing, trust, claims experiences, and the insurers included.

Texas Farm Bureau has topped the Texas ranking before, most recently in 2024, but it has not held the top spot since. Compare quotes, coverage and service options, especially if you’re switching mainly for price.

Financial Strength and Stability

Financial strength ratings help indicate an insurer’s ability to pay claims over the long term. Texas Farm Bureau’s A.M. Best ratings have changed in recent years; on September 13, 2024, AM Best downgraded the group’s financial strength rating from A- (Excellent) to B++ (Good) and revised the outlook to stable. Check AM Best for the current rating before you buy.

If you’re comparing insurers, here’s how to think about ratings in general: how to make sure your insurance company is financially stable (and what A.M. Best ratings actually mean).

BBB Complaints and Reputation

BBB data isn’t a perfect measure of claims performance, but it can be a helpful “temperature check” for complaint volume and patterns. You can look up Texas Farm Bureau Mutual Insurance Company’s profile and complaint summary on the BBB website.

Pros and Cons of Texas Farm Bureau Auto Insurance

How to Get a Quote (and When It’s Worth It)

If you want to check pricing, it’s usually worth requesting a quote—especially if you’re comparing local/regional insurers. Texas Farm Bureau may also be appealing if you prefer agent support instead of a fully-online experience.

Even if Texas Farm Bureau beats other insurers today, re-shop periodically. Car insurance pricing changes constantly, and not all companies price match competitors.

If you’re eligible for USAA, it’s also worth comparing them because eligibility restrictions can change who you can quote with (see who is eligible for USAA car insurance).

Texas Farm Bureau Contact Information

Contact options can vary by department and policy type. Here are the commonly listed starting points (always verify the latest numbers on the company site):

For InsurancePanda’s quick reference page, see: Texas Farm Bureau customer service contact number.

Final Word: Is Texas Farm Bureau a Good Car Insurance Company?

Texas Farm Bureau can be a good choice for Texas drivers who want local-agent support, like the idea of member benefits, and want to compare a regional carrier against the big national brands. The smartest move is simple: get a quote, compare coverage apples-to-apples, and choose the company that gives you the best mix of price, protection, and service.

My advice is to call your county Farm Bureau office first and get the membership dues, then add them to the Texas Farm Bureau quote before you compare it with anyone else. Ask for the quote with and without Drive‘n Save so you know what the app is worth to you.

FAQs on Texas Farm Bureau Auto Insurance

Sources

Checked October 15, 2026

• Texas Department of Insurance — Auto Insurance Guide, last updated December 11, 2025
• AM Best — AM Best Downgrades Credit Ratings of Texas Farm Bureau Casualty Insurance Company and Affiliates, September 13, 2024
• J.D. Power — Auto Insurers Struggle to Maintain Seamless Interactions Across Channels (2026 U.S. Auto Insurance Study), June 9, 2026
• J.D. Power — Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge (2024 U.S. Auto Insurance Study), June 11, 2024
• Texas Farm Bureau Insurance — Guide to Optional Auto Insurance Coverages in Texas, November 16, 2021
• Texas Farm Bureau Insurance — FAQs: Texas Farm Bureau Membership, July 10, 2023