Home/Compare insurers/Nationwide vs Texas Farm Bureau

Nationwide vs Texas Farm Bureau: which is better for car insurance in 2026?

Q: Is Nationwide or Texas Farm Bureau cheaper?

We cannot answer that with published data. Texas Farm Bureau does not release public rate information, so no independent study — ours included — can put a national average next to Nationwide's $2,671/yr. The only way to know is to quote both.

Q: Which handles claims better, Nationwide or Texas Farm Bureau?

Neither has a clear edge. Nationwide scores 729/1,000 and Texas Farm Bureau Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Nationwide better than Texas Farm Bureau overall?

We can't put two scores side by side here. Texas Farm Bureau does not publish enough of the underlying data for us to give it an overall score — we would rather say so than compute one from the two or three figures that do exist. Nationwide scores 3.9 out of 5. Compare them on the individual categories above, and on the quotes you actually get.

Q: Can I switch from Nationwide to Texas Farm Bureau mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Nationwide

Texas Farm BureauNot scored

Across our six scoring categories, Nationwide comes out ahead in 1, Texas Farm Bureau in 1, with 4 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. Nationwide 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.

Nationwide vs Texas Farm Bureau, side by side

Category

NationwideRead the full review

Texas Farm BureauRead the full review

Overall scoreWeighted across the six categories below

Not scored

PriceAverage annual full-coverage premium · 25% of score

2.5$2,671/yr

Average full coverage vs. $2,356 national average

Not published

This company does not release public rate data

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.5729/1,000

J.D. Power 2025 claims study, segment average 700

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

5.0Far fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Better

Financial strengthAM Best Financial Strength Rating · 10% of score

4.0A

AM Best Financial Strength Rating

Better

3.0B++

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

4.010 published

Discounts on the carrier's own pages · Telematics: SmartRide and SmartMiles

Not published

No discount list we could read on the carrier's own site

Digital experienceApp ratings and self-service depth · 15% of score

4.54.69 iOS / 4.5 Android

App Store (70K ratings) and Google Play (21.4K ratings), August 2026

Not published

No app-store presence we could verify

Availability

45 states and D.C. — not available in Alaska, Hawaii, Louisiana or Massachusetts

1 state — Texas only, and membership is required

Best suited to

drivers who want good claims handling without an agent-only model

Texas drivers willing to join Farm Bureau for a low-complaint insurer

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.

Nationwide vs Texas Farm Bureau across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

NationwideTexas Farm Bureau

Category by category

Price

Too close to call

Texas Farm Bureau does not release public rate data, so there is no like-for-like premium to set against Nationwide's $2,671/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.

Nationwide

$2,671 a year for full coverage, 13% above the national average. Nationwide is not a discount carrier.

Texas Farm Bureau

Texas Farm Bureau is not included in the rate study behind every other premium in this review.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Nationwide posts 729/1,000 and Texas Farm Bureau Not rated, a difference too small to choose on.

Nationwide

729 out of 1,000, fourth in the J.D. Power 2025 study and 29 points above the segment average.

Texas Farm Bureau

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

Texas Farm Bureau ahead

Texas Farm Bureau takes complaint record on Far fewer than expected against Nationwide's Fewer than expected.

Nationwide

Fewer complaints than expected for its size.

Texas Farm Bureau

Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.

Financial strength

Nationwide ahead

Nationwide takes financial strength on A against Texas Farm Bureau's B++.

Nationwide

AM Best A (Excellent).

Texas Farm Bureau

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 call

Neither pulls ahead on discounts: Nationwide posts 10 published and Texas Farm Bureau Not published, a difference too small to choose on.

Nationwide

Ten published discounts, with bundling stated at an average of $1,032 saved on home and auto together.

Texas Farm Bureau

No discount list we could read on its own site.

Digital experience

Too close to call

Neither pulls ahead on digital experience: Nationwide posts 4.69 iOS / 4.5 Android and Texas Farm Bureau Not published, a difference too small to choose on.

Nationwide

4.69 on the App Store and 4.5 on Google Play. Nationwide also won J.D. Power's usage-based insurance segment for the third year running in 2026.

Texas Farm Bureau

No app-store figures we could verify from a primary source.

So which one?

Pick Nationwide if…

You are among drivers who want good claims handling without an agent-only model.
Financial strength is a priority; Nationwide holds A from AM Best.
Availability fits: 45 states and D.C. — not available in Alaska, Hawaii, Louisiana or Massachusetts.

Read the full Nationwide review →

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.

Read the full Texas Farm Bureau review →

Nationwide vs Texas Farm Bureau, answered

The questions people ask before switching between these two.

Is Nationwide or Texas Farm Bureau cheaper?

Which handles claims better, Nationwide or Texas Farm Bureau?

Is Nationwide better than Texas Farm Bureau overall?

Can I switch from Nationwide to Texas Farm Bureau mid-policy?

Other comparisons

Allstate vs Nationwide American Family vs Nationwide Amica vs Nationwide Auto-Owners vs Nationwide Chubb vs Nationwide Clearcover vs Nationwide Allstate vs Texas Farm Bureau Amica vs Texas Farm Bureau

See all 359 head-to-head comparisons →

Compare real quotes from both — and 50+ others.

Averages are a starting point. Your rate is the only number that decides it.

Get my free quotes →