Liberty Mutual vs Texas Farm Bureau: which is better for car insurance in 2026?
Across our six scoring categories, Liberty Mutual comes out ahead in 1, Texas Farm Bureau in 1, with 4 too close to call. There is no overall score to compare, though: Liberty Mutual 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. Texas Farm Bureau 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.
Liberty Mutual 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 callLiberty Mutual does not release public rate data, so there is no like-for-like premium to set against Texas Farm Bureau's Not published. That is a real gap in the comparison, not a rounding error — treat Liberty Mutual's price as unknown until you have a quote in hand.
Not published. Liberty Mutual releases no public rate data, so no independent study — including ours — can put a national average against it. Any figure you see quoted for Liberty Mutual is an estimate.
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: Liberty Mutual posts 730/1,000 and Texas Farm Bureau Not rated, a difference too small to choose on.
730 out of 1,000, third-highest in the J.D. Power 2025 study and thirty points above the segment average.
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 Liberty Mutual's More than expected.
More complaints than expected for its size, based on 2021–2023 data — a different window from most carriers here, so not perfectly comparable.
Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.
Financial strength
Liberty Mutual aheadLiberty Mutual takes financial strength on A against Texas Farm Bureau's B++.
AM Best A (Excellent).
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: Liberty Mutual posts 12 published and Texas Farm Bureau Not published, a difference too small to choose on.
Twelve published discounts, plus a customization tool Liberty Mutual says saves 12% or more — though that is excluded in nine states.
No discount list we could read on its own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: Liberty Mutual posts 4.79 iOS / 4.6 Android and Texas Farm Bureau Not published, a difference too small to choose on.
4.79 on the App Store and 4.6 on Google Play across 669,000 combined ratings. Solid on both platforms.
No app-store figures we could verify from a primary source.
So which one?
Pick Liberty Mutual if…
- You are among drivers who value claims handling and will quote it directly.
- Financial strength is a priority; Liberty Mutual holds A from AM Best.
- Availability fits: 45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming.
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.
Liberty Mutual vs Texas Farm Bureau, answered
The questions people ask before switching between these two.
Other comparisons
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Averages are a starting point. Your rate is the only number that decides it.