State Farm vs Texas Farm Bureau: which is better for car insurance in 2026?
Across our six scoring categories, State Farm 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. State Farm 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.
State Farm 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 State Farm's $2,065/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.
At $2,065 a year for full coverage, State Farm sits about 12% under the national average — competitive, but not the cheapest of the national carriers.
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: State Farm posts 716/1,000 and Texas Farm Bureau Not rated, a difference too small to choose on.
716 out of 1,000 in the J.D. Power 2025 claims study puts State Farm comfortably above the 700-point segment average, and ahead of every other insurer in the top four by market share.
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 State Farm's About the expected number.
State Farm draws about the number of complaints its size predicts. For the largest personal auto insurer in the country, average is a more meaningful result than it sounds.
Far fewer complaints than expected for its size — the strongest band we assign, and comfortably its best measure.
Financial strength
State Farm aheadState Farm takes financial strength on A++ against Texas Farm Bureau's B++.
AM Best's top rating, A++. State Farm is a mutual company owned by its policyholders, with no shareholders 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: State Farm posts 11 published and Texas Farm Bureau Not published, a difference too small to choose on.
Eleven published discounts, including a 25% good-student discount and up to 40% off medical coverage for passive restraints. Drive Safe & Save pairs the app with a mailed Bluetooth beacon.
No discount list we could read on its own site.
Digital experience
Too close to callNeither pulls ahead on digital experience: State Farm 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 1.7 million combined ratings — consistently strong on both platforms, which is rarer than it should be.
No app-store figures we could verify from a primary source.
So which one?
Pick State Farm if…
- You are among drivers who want a local agent rather than an app.
- Financial strength is a priority; State Farm holds A++ from AM Best.
- Availability fits: 48 states and D.C., through the largest agent network in the country — no new business in Massachusetts or Rhode Island.
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.
State Farm vs Texas Farm Bureau, answered
The questions people ask before switching between these two.
Other comparisons
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