Progressive vs Texas Farm Bureau: which is better for car insurance in 2026?
Across our six scoring categories, Progressive 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. Progressive 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.
Progressive 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 Progressive's $2,062/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.
$2,062 a year for full coverage, about 13% under the national average and effectively tied with State Farm. Progressive's real pricing story is the discount stack rather than the base rate.
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: Progressive posts 673/1,000 and Texas Farm Bureau Not rated, a difference too small to choose on.
673 out of 1,000 is the weakest claims score in this review — 27 points below the segment average and 70 behind Erie. This is Progressive's clearest weakness.
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 Progressive's Fewer than expected.
Fewer complaints than expected for its size, which sits oddly alongside the claims score and suggests the friction shows up in satisfaction rather than in formal complaints.
Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.
Financial strength
Progressive aheadProgressive takes financial strength on A+ against Texas Farm Bureau's B++.
AM Best A+ (Superior). No concerns about its ability to pay.
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: Progressive posts 16 published and Texas Farm Bureau Not published, a difference too small to choose on.
Sixteen published discounts, more than almost anyone — and unusually, Progressive publishes the average value of most of them rather than hiding behind 'varies'.
No discount list we could read on its own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: Progressive posts 4.83 iOS / 4.6 Android and Texas Farm Bureau Not published, a difference too small to choose on.
4.83 on the App Store and 4.6 on Google Play. Progressive was built direct-to-consumer and the digital experience shows it.
No app-store figures we could verify from a primary source.
So which one?
Pick Progressive if…
- You are among price shoppers willing to trade some claims experience for a lower premium.
- Financial strength is a priority; Progressive holds A+ from AM Best.
- Availability fits: All 50 states and D.C., direct and through independent agents.
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.
Progressive vs Texas Farm Bureau, answered
The questions people ask before switching between these two.
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