Chubb vs Texas Farm Bureau: which is better for car insurance in 2026?
Across our six scoring categories, Chubb comes out ahead in 0, Texas Farm Bureau in 1, with 5 too close to call. There is no overall score to compare, though: Texas Farm Bureau does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Chubb is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Chubb vs Texas Farm Bureau, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Too close to callTexas Farm Bureau does not release public rate data, so there is no like-for-like premium to set against Chubb's $2,676/yr. That is a real gap in the comparison, not a rounding error — treat Texas Farm Bureau's price as unknown until you have a quote in hand.
$2,676 a year for full coverage on our standard benchmark, 14% above the national average — though Chubb's real book is valuable vehicles, not the Camry we benchmark with.
Texas Farm Bureau is not included in the rate study behind every other premium in this review.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Chubb posts Not rated and Texas Farm Bureau Not rated, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
Not in the J.D. Power claims study, which samples only the largest insurers.
Complaint record
Texas Farm Bureau aheadTexas Farm Bureau takes complaint record on Far fewer than expected against Chubb's Fewer than expected.
Fewer complaints than expected for its size.
Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.
Financial strength
Too close to callNeither pulls ahead on financial strength: Chubb posts Not published and Texas Farm Bureau B++, a difference too small to choose on.
An A++ rating for the Chubb group circulates widely and is very likely current, but AM Best and Business Wire both block automated access, so we could not read it from a primary page.
AM Best B++ (Good), after downgrades from A (Excellent) to A- in April 2024 and then to B++. That is below the A- floor most comparison sites treat as a minimum.
Discounts
Too close to callNeither pulls ahead on discounts: Chubb posts 0 published and Texas Farm Bureau Not published, a difference too small to choose on.
None. Chubb's own auto page names no discounts whatsoever — not a short list, an absent one. That is a deliberate positioning choice, not an oversight.
No discount list we could read on its own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: Chubb posts 4.53 iOS / 3.6 Android and Texas Farm Bureau Not published, a difference too small to choose on.
4.53 on the App Store and 3.57 on Google Play. Only 306 iOS ratings across a 49-state footprint, which is itself evidence of how small and specialised the book is.
No app-store figures we could verify from a primary source.
So which one?
Pick Chubb if…
- You are among high-net-worth drivers insuring a luxury or collector car.
- Availability fits: 49 states and D.C. — Arkansas is the only omission.
Pick Texas Farm Bureau if…
- You are among texas drivers willing to join farm bureau for a low-complaint insurer.
- You want the lower complaint record — Texas Farm Bureau sits at Far fewer than expected.
- Availability fits: 1 state — Texas only, and membership is required.
Chubb vs Texas Farm Bureau, answered
The questions people ask before switching between these two.
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Averages are a starting point. Your rate is the only number that decides it.